| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH MCLENNAN AGENCY LLC | 11001 LAKELINE BLVD. BLDG 1 STE 200 AUSTIN, TX 78717 | CURATIVE INSURANCE COMPANY | $143K | — | $143K | 6.00% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCCLENNAN AGENCY, LLC | 2500 CITY WEST BLVD STE 2400 HOUSTON, TX 77042 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $10K | $4K | $14K | 6.80% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY, LLC | 2500 CITY WEST BLVD. STE 2400 HOUSTON, TX 77042 | STARMOUNT LIFE INSURANCE COMPANY | $14K | $7K | $21K | 15.00% |
| MARSH & MCLENNAN AGENCY LLC3 | 2500 CITY WEST BLVD. STE 2400 HOUSTON, TX 77042 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $12K | $4K | $16K | 20.26% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MASH & MCLENNAN AGENCY LLC | 6166 RETAIL RD DALLAS, TX 75231 | UNUM INSURANCE COMPANY | $5K | $631 | $5K | 17.00% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCCLENNAN AGENCY, LLC | 2500 CITY WEST BLVD. STE 2400 HOUSTON, TX 77042 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $2K | $430 | $2K | 10.63% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY LLC HQ | 6166 RETAIL RD DALLAS, TX 75231 | UNUM INSURANCE COMPANY | $3K | $629 | $3K | 18.64% |
| MARSH & MCLENNAN AGENCY LLC3 | 6166 RETAIL RD DALLAS, TX 75231 | UNUM INSURANCE COMPANY | $2K | $415 | $2K | 18.82% |
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 | 385 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 4 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 389 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CURATIVE INSURANCE COMPANY | 309 | $2.4M |
| Dental | STARMOUNT LIFE INSURANCE COMPANY | 223 | $142K |
| Vision | STARMOUNT LIFE INSURANCE COMPANY | 223 | $142K |
| Life insurance(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 412 | $276K |
| Short-term disability(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 412 | $221K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 412 | $200K |
| Other(5 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 412 | $336K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 412 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.