| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GALLAGHER BENEFIT SERVICES, INC.3 | 1900 WEST LOOP SOUTH, SUITE 1600 HOUSTON, TX 77027 | METROPOLITAN LIFE INSURANCE COMPANY | $151K | $642 | $151K | 5.58% |
| JOE FERNANDEZ3 | 7500 DALLAS PARKWAY, SUITE 550 PLANO, TX 75024 | METROPOLITAN LIFE INSURANCE COMPANY | $73K | $18K | $91K | 3.36% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH USA, LLC | PO BOX 412703 BOSTON, MA 02241 | METROPOLITAN LIFE INSURANCE COMPANY | $41K | $5K | $47K | 1.72% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY, LLC | 6160 GOLDEN HILLS DRIVE MINNEAPOLIS, MN 55416 | METROPOLITAN LIFE INSURANCE COMPANY | $39K | $0 | $39K | 1.42% |
| GALLAGHER BENEFIT SERVICES, INC.3 | PO BOX 95287 CHICAGO, IL 60690 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $13K | $13K | 0.49% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN | 250 PEHLE AVENUE, SUITE 400 PARK 80, PLAZA 2 SADDLE BROOK, NJ 07663 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $3K | $3K | 0.09% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 3600 AMERICAN BOULEVARD WEST MINNEAPOLIS, MN 55431 | DEAN HEALTH PLAN INC | $24K | $0 | $24K | 1.70% |
| GALLAGHER BENEFIT SERVICES, INC.3 | PO BOX 95287 CHICAGO, IL 60694 | KAISER FOUNDATION HEALTH PLAN, INC. | $24K | $0 | $24K | 4.96% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY, LLC | 6160 GOLDEN HILLS DRIVE MINNEAPOLIS, MN 55416 | KAISER FOUNDATION HEALTH PLAN, INC. | $2K | $0 | $2K | 0.44% |
| TBX EMPLOYEE BENEFITS LLC3 Filed as: TBX EMPLOYEE BENEFITS | UNKNOWN CHICAGO, IL 60606 | COMBINED INSURANCE | $26K | $0 | $26K | 18.70% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 1900 WEST LOOP SOUTH, SUITE 1600 HOUSTON, TX 77027 | COMBINED INSURANCE | $20K | $0 | $20K | 13.97% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY | UNKNOWN CHICAGO, IL 60606 | COMBINED INSURANCE | $6K | $0 | $6K | 4.61% |
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 | 3,777 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 33 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 3,810 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | DEAN HEALTH PLAN INC | 283 | $1.9M |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 5,224 | $2.7M |
| Long-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 5,224 | $2.7M |
| Prescription drug(2 contracts, 2 carriers) | DEAN HEALTH PLAN INC | 283 | $1.9M |
| Other(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 5,224 | $2.9M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 5,224 | — |
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.