| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 | 2230 INDUSTRIAL BLVD ABILENE, TX 79602 | BLUE CROSS BLUE SHIELD OF ILLINOIS | $50K | $696 | $51K | 4.24% |
| MARSH & MCLENNAN AGENCY LLC3 | 2500 CITY WEST BLVD, STE 240 HOUSTON, TX 77040 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $1K | $1K | $3K | 9.13% |
| JENNINGS INSURANCE SERVICES3 | 10524 MOSS PARK RD # 206-306 ORLAND, FL 32832 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $510 | $510 | 1.77% |
| MARSH & MCLENNAN AGENCY LLC3 | 2500 CITY WEST BLVD, STE 240 HOUSTON, TX 77040 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $4K | $996 | $5K | 19.22% |
| JENNINGS INSURANCE SERVICES3 | 10524 MOSS PARK RD # 206-306 ORLAND, FL 32832 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $510 | $510 | 2.15% |
| MARSH & MCLENNAN AGENCY LLC3 | 2500 CITY WEST BLVD, STE 240 HOUSTON, TX 77040 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $4K | $998 | $5K | 23.37% |
| JENNINGS INSURANCE SERVICES3 | 10524 MOSS PARK RD # 206-306 ORLAND, FL 32832 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $510 | $510 | 2.24% |
| MARSH & MCLENNAN AGENCY LLC3 | 2500 CITY WEST BLVD, STE 240 HOUSTON, TX 77040 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | $597 | $2K | 19.63% |
| JENNINGS INSURANCE SERVICES3 | 10524 MOSS PARK RD # 206-306 ORLAND, FL 32832 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $510 | $510 | 4.01% |
| MARSH & MCLENNAN AGENCY LLC3 | 2500 BEE CAVE ROAD STE 125 AUSTIN, TX 78746 | VISION SERVICE PLAN | $849 | $0 | $849 | 7.68% |
| MARSH & MCLENNAN AGENCY LLC3 | 2500 CITY WEST BLVD, STE 240 HOUSTON, TX 77040 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $1K | $196 | $1K | 17.40% |
| MARSH & MCLENNAN AGENCY LLC3 | 2500 CITY WEST BLVD, STE 240 HOUSTON, TX 77040 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $1K | $365 | $1K | 20.22% |
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 | 178 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 179 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF ILLINOIS | 173 | $1.2M |
| Dental | BLUE CROSS BLUE SHIELD OF ILLINOIS | 173 | $1.2M |
| Vision | VISION SERVICE PLAN | 0 | $11K |
| Life insurance(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 178 | $35K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 55 | $24K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 31 | $29K |
| Prescription drug | BLUE CROSS BLUE SHIELD OF ILLINOIS | 173 | $1.2M |
| Other(4 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 178 | $51K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 178 | — |
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.
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.