| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 | 8144 WALNUT HILL LN STE 1600 DALLAS, TX 75231 | STANDARD INSURANCE COMPANY | $105K | — | $105K | 10.00% |
| MARSH & MCLENNAN AGENCY LLC3 | 2500 CITY WEST BLVD STE 2400 HOUSTON, TX 77042 | STANDARD INSURANCE COMPANY | — | $6K | $6K | 0.57% |
| MARSH & MCLENNAN AGENCY LLC3 | 2500 CITY WEST BLVD STE 2400 HOUSTON, TX 77042 | STANDARD INSURANCE COMPANY | $80K | — | $80K | 14.96% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH USA INC | 2929 ALLEN PKWY STE 2500 HOUSTON, TX 77019 | STANDARD INSURANCE COMPANY | — | $6K | $6K | 1.14% |
| MARSH & MCLENNAN AGENCY LLC3 | 2500 CITY WEST BLVD STE 2400 HOUSTON, TX 77042 | STANDARD INSURANCE COMPANY | $49K | — | $49K | 15.00% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH USA INC | 2929 ALLEN PKWY STE 2500 HOUSTON, TX 77019 | STANDARD INSURANCE COMPANY | — | $4K | $4K | 1.13% |
| MARSH & MCLENNAN AGENCY LLC3 | 8144 WALNUT HILL LN STE 1600 DALLAS, TX 75231 | STANDARD INSURANCE COMPANY | $21K | — | $21K | 10.00% |
| MARSH & MCLENNAN AGENCY LLC3 | 2500 CITY WEST BLVD STE 2400 HOUSTON, TX 77042 | STANDARD INSURANCE COMPANY | — | $2K | $2K | 1.15% |
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 | 1,009 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 3 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,012 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | STANDARD INSURANCE COMPANY | 1,173 | $1.0M |
| Vision | STANDARD INSURANCE COMPANY | 1,173 | $212K |
| Life insurance | STANDARD INSURANCE COMPANY | 1,219 | $536K |
| Long-term disability | STANDARD INSURANCE COMPANY | 917 | $329K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,219 | — |
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.