| 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 | $90K | $3K | $93K | 4.51% |
| MARSH & MCLENNAN AGENCY LLC3 | 870 S PLEASANTBURG DRIVE GREENVILLE, SC 29607 | STANDARD INSURANCE COMPANY | $7K | $0 | $7K | 6.01% |
| KATHALEEN K BAUER3 | 10000 N CENTRAL EXPRESSWAY SUITE 1200 DALLAS, TX 75231 | STANDARD INSURANCE COMPANY | $7K | $0 | $7K | 5.99% |
| MURIEL JERNIGAN3 Filed as: MURIEL MANNING JERNIGAN | 9927 COLDWATER CIR DALLAS, TX 75228 | AFLAC | $1K | $24 | $1K | 3.45% |
| MILTON EDDIE EDWARDS3 | 5500 MCKINNEY PLACE DR APT 1006 MCKINNEY, TX 75070 | AFLAC | $492 | $551 | $1K | 3.11% |
| NANCY E ODOM3 | 5921 STONE MEADOW DR PLANO, TX 75093 | AFLAC | $546 | $96 | $642 | 1.91% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH AND MCLENNAN AGENCY LLC | 8144 WALNUT HILL LN STE 1700 DALLAS, TX 75231 | AFLAC | $625 | $0 | $625 | 1.86% |
| TALHA ZAQUIR RAHMAN3 | 8811 ELDORADO PKWY APT 4101 FRISCO, TX 75033 | AFLAC | $157 | $19 | $176 | 0.52% |
| MOLOKAI MYLES HAND3 | 3309 WOLFE CT PLANO, TX 75025 | AFLAC | $171 | $0 | $171 | 0.51% |
| JON M HENNEY3 | 1308 STONECREST DR COPPELL, TX 75019 | AFLAC | $169 | $0 | $169 | 0.50% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY LLC PA | 2300 RENAISSANCE BLVD KING OF PRUSSIA, PA 19406 | DEARBORN LIFE INSURANCE COMPANY | $1K | $389 | $2K | 13.28% |
| CBIZ BENEFITS & INSURANCE SERVICES3 Filed as: CBIZ BENEFITS & INSURANCE SVCS, INC | 12 CADILLAC DR STE 160 BRENTWOOD, TN 37027 | DELTA DENTAL OF TENNESSEE | $817 | $0 | $817 | 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 | 132 | 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) | 132 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUECROSS BLUESHIELD OF TEXAS | 186 | $2.1M |
| Dental(2 contracts, 2 carriers) | BLUECROSS BLUESHIELD OF TEXAS | 186 | $2.1M |
| Vision | DEARBORN LIFE INSURANCE COMPANY | 92 | $12K |
| Short-term disability | AFLAC | 30 | $34K |
| Long-term disability | STANDARD INSURANCE COMPANY | 126 | $125K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 186 | — |
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.