| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 | PO BOX 301598 DALLAS, TX 75303 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $5K | $0 | $5K | 10.00% |
| MARSH & MCLENNAN AGENCY LLC3 | PO BOX 301598 DALLAS, TX 75303 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $3K | $0 | $3K | 10.00% |
| KEVIN M PAILET3 | 8144 WALNUT HILL LANE, 15TH FLOOR DALLAS, TX 75231 | STANDARD INSURANCE COMPANY | $5K | $0 | $5K | 24.38% |
| WESTON BRYAN3 | 4816 ALLENCREST LANE DALLAS, TX 75244 | STANDARD INSURANCE COMPANY | $2K | $0 | $2K | 7.49% |
| REED HEADLEY SCHNITTKER3 | 2400 DALLAS PARKWAY, STE 260 PLANO, TX 75093 | STANDARD INSURANCE COMPANY | $1K | $0 | $1K | 5.57% |
| MARSH & MCLENNAN AGENCY LLC3 | PO BOX 301598 DALLAS, TX 75303 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $297 | $0 | $297 | 10.00% |
| REED HEADLEY SCHNITTKER3 Filed as: REED SCHNITTKER | 2400 DALLAS PARKWAY, STE 260 PLANO, TX 75093 | PETERSEN INTERNATIONAL UNDERWRITERS | $0 | $0 | $0 | 0.00% |
| WESTON BRYAN3 | 2400 DALLAS PARKWAY, STE 260 PLANO, TX 75093 | PETERSEN INTERNATIONAL UNDERWRITERS | $0 | $0 | $0 | 0.00% |
| MARSH & MCLENNAN AGENCY LLC3 | 8144 WALNUT HILL LANE, 16TH FLOOR DALLAS, TX 75231 | PETERSEN INTERNATIONAL UNDERWRITERS | $0 | $0 | $0 | 0.00% |
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 | 268 | 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) | 268 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance | RELIANCE STANDARD LIFE INSURANCE COMPANY | 270 | $48K |
| Long-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 270 | $25K |
| Other(4 contracts, 3 carriers) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 270 | $74K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 270 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.