| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 | 8144 WALNUT HILL LANE 16TH FLOOR DALLAS, TX 75231 | BLUECROSS BLUESHIELD OF TEXAS | $87K | $4K | $90K | 4.75% |
| KATHALEEN K BAUER3 | 10000 N CENTRAL EXPRESSWAY SUITE 1200 DALLAS, TX 75231 | STANDARD INSURANCE COMPANY | $14K | $0 | $14K | 12.00% |
| MILTON EDDIE EDWARDS3 | 5500 MCKINNEY PLACE DR APT 1006 MCKINNEY, TX 75070 | AFLAC | $802 | $2K | $3K | 8.56% |
| MURIEL JERNIGAN3 Filed as: MURIEL MANNING JERNIGAN | 9927 COLDWATER CIR DALLAS, TX 75228 | AFLAC | $2K | $49 | $2K | 6.04% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH AND MCLENNAN AGENCY LLC | 8144 WALNUT HILL LN STE 1700 DALLAS, TX 75231 | AFLAC | $1K | $0 | $1K | 4.19% |
| NANCY E ODOM3 | 5921 STONE MEADOW DR PLANO, TX 75093 | AFLAC | $1K | $0 | $1K | 3.11% |
| TALHA ZAQUIR RAHMAN3 | 8811 ELDORADO PKWY APT 4101 FRISCO, TX 75033 | AFLAC | $283 | $17 | $300 | 0.89% |
| MOLOKAI MYLES HAND3 | 3309 WOLFE CT PLANO, TX 75025 | AFLAC | $185 | $0 | $185 | 0.55% |
| JON M HENNEY3 | 1308 STONECREST DR COPPELL, TX 75019 | AFLAC | $183 | $0 | $183 | 0.54% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY LLC PA | 2300 RENAISSANCE BLVD KING OF PRUSSIA, PA 19406 | DEARBORN LIFE INSURANCE COMPANY | $1K | $502 | $2K | 14.67% |
| CBIZ BENEFITS & INSURANCE SERVICES3 Filed as: CBIZ BENEFITS & INSURANCE SVCS, INC | 12 CADILLAC DR STE 160 BRENTWOOD, TN 37027 | DELTA DENTAL OF TENNESSEE | $808 | $0 | $808 | 10.00% |
No Schedule C service providers reported on this filing.
Benefits declared on the Form 5500 main form (✓ = also has a Schedule A insurance contract; otherwise the benefit is funded out of plan assets or via a Schedule C TPA).
The plan reports several different headcounts depending on which form you read. Each one measures a different slice of the population.
| Active participants | 123 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 123 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUECROSS BLUESHIELD OF TEXAS | 184 | $1.9M |
| Dental(2 contracts, 2 carriers) | BLUECROSS BLUESHIELD OF TEXAS | 184 | $1.9M |
| Vision | DEARBORN LIFE INSURANCE COMPANY | 82 | $11K |
| Short-term disability | AFLAC | 31 | $34K |
| Long-term disability | STANDARD INSURANCE COMPANY | 122 | $120K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 184 | — |
Why the numbers differ. Form 5500 line 6 counts employees + retirees + beneficiaries; no dependents. Schedule A persons-covered counts everyone enrolled, including spouses and children, so it usually exceeds line 6 by 30-60% on a working-age workforce. The medical row is normally the broadest single line because it has the highest take-up; dental/vision/life often dip below it. Stop-loss / reinsurance contracts sometimes report the carrier's full underwriting pool rather than this filer's headcount; the row is shown for transparency but shouldn't be read as "people in this plan."
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.