| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 | 2500 CITY WEST BLVD, SUITE 2400 HOUSTON, TX 77042 | BLUECROSS BLUESHIELD OF TEXAS | $76K | $1K | $77K | 4.21% |
| MARSH & MCLENNAN AGENCY LLC3 | 2500 CITY WEST BLVD, SUITE 2400 HOUSTON, TX 77042 | MUTUAL OF OMAHA INSURANCE COMPANY | $50K | $18K | $68K | 17.94% |
| EOI SERVICE COMPANY INC3 Filed as: EOI SERVICE COMPANY LLC | 3100 E. MIRALOMA AVE #240 ANAHEIM, CA 92806 | COMBINED INSURANCE COMPANY OF AMERICA | $43K | $0 | $43K | 20.52% |
| MARSH & MCLENNAN AGENCY LLC3 | 2500 CITY WEST BLVD, SUITE 2400 HOUSTON, TX 77042 | COMBINED INSURANCE COMPANY OF AMERICA | $18K | $0 | $18K | 8.68% |
| HIGGINBOTHAM INS AGENCY INC3 Filed as: HIGGINBOTHAM INS AGENCY | 500 W 13TH ST FORT WORTH, TX 76102 | COMBINED INSURANCE COMPANY OF AMERICA | $4K | $0 | $4K | 2.08% |
| MARSH & MCLENNAN AGENCY LLC3 | 8144 WALNUT HILL LANE, 15TH FLOOR DALLAS, TX 75231 | NATIONWIDE LIFE INSURANCE COMPANY | $1K | $0 | $1K | 4.04% |
| MARSH & MCLENNAN AGENCY LLC3 | 8144 WALNUT HILL LANE, 15TH FLOOR DALLAS, TX 75231 | CRUM & FORSTER | $432 | $0 | $432 | 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 | 879 | 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) | 881 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUECROSS BLUESHIELD OF TEXAS | 697 | $1.8M |
| Dental | BLUECROSS BLUESHIELD OF TEXAS | 697 | $1.8M |
| Vision | MUTUAL OF OMAHA INSURANCE COMPANY | 879 | $378K |
| Life insurance | MUTUAL OF OMAHA INSURANCE COMPANY | 879 | $378K |
| Short-term disability | MUTUAL OF OMAHA INSURANCE COMPANY | 879 | $378K |
| Long-term disability | MUTUAL OF OMAHA INSURANCE COMPANY | 879 | $378K |
| Prescription drug | NATIONWIDE LIFE INSURANCE COMPANY | 249 | $34K |
| Other(3 contracts, 3 carriers) | MUTUAL OF OMAHA INSURANCE COMPANY | 879 | $592K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 879 | — |
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.