| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 | — | BLUECROSS BLUESHIELD OF TEXAS | $76K | $3K | $79K | 6.97% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY LLC TX | 8144 WALNUT HILL 15TH FL DALLAS, TX 75231 | DEARBORN LIFE INSURANCE COMPANY | $12K | $0 | $12K | 14.35% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY LLC PA | 2300 RENAISSANCE BLVD KING OF PRUSSIA, PA 19406 | DEARBORN LIFE INSURANCE COMPANY | $0 | $3K | $3K | 3.54% |
| SHARON E ALFORD3 | 11885 ANDERSON RD WILLIS, TX 77318 | AFLAC | $63 | $0 | $63 | 4.90% |
| DEBRA L SCHMIDT3 | 7207 SANDY ISLE LANE SPRING, TX 77389 | AFLAC | $10 | $0 | $10 | 0.78% |
| USI INSURANCE SERVICES LLC3 Filed as: USI SOUTHWEST INC | 4605 COLUMBUS ST. VIRGINIA BEACH, VA 23462 | AFLAC | $8 | $0 | $8 | 0.62% |
| USI INSURANCE SERVICES LLC3 Filed as: USI SOUTHWEST INC | PO BOX 61187 VIRGINIA BEACH, VA 23466 | AFLAC | $8 | $0 | $8 | 0.62% |
| SAUL GARCIA3 | 15006 SIERRA RIDGE DR HUMBLE, TX 77396 | AFLAC | $7 | $0 | $7 | 0.54% |
| MARSH & MCLENNAN AGENCY LLC3 | 2500 CITYWEST BLVD, STE 2400 HOUSTON, TX 77042 | AFLAC | $7 | $0 | $7 | 0.54% |
| JILL WALTER APPLEGATE3 | 50 FOOTBRIDGE WAY SPRING, TX 77389 | AFLAC | $6 | $0 | $6 | 0.47% |
| MICHAEL ANDERS LLC3 | 10 MOON BEAM CT SPRING, TX 77381 | AFLAC | $5 | $0 | $5 | 0.39% |
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 | 91 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 93 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUECROSS BLUESHIELD OF TEXAS | 154 | $1.1M |
| Dental | BLUECROSS BLUESHIELD OF TEXAS | 154 | $1.1M |
| Vision | DEARBORN LIFE INSURANCE COMPANY | 91 | $83K |
| Life insurance | DEARBORN LIFE INSURANCE COMPANY | 91 | $83K |
| Short-term disability | DEARBORN LIFE INSURANCE COMPANY | 91 | $83K |
| Long-term disability | DEARBORN LIFE INSURANCE COMPANY | 91 | $83K |
| Other(2 contracts, 2 carriers) | DEARBORN LIFE INSURANCE COMPANY | 91 | $84K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 154 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.