| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 | — | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $68K | $3K | $71K | 17.43% |
| MARSH & MCLENNAN AGENCY LLC3 | 8144 WALNUT HILL LN FL 16 DALLAS, TN 75231 | KAISER FOUNDATION HEALTH PLAN, INC. | $14K | — | $14K | 4.99% |
| MARSH & MCLENNAN AGENCY LLC3 | 8144 WALNUT HILL LN STE 1600 DALLAS, TX 75231 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $33K | $7K | $40K | 18.06% |
| MARSH & MCLENNAN AGENCY LLC3 | 2500 BEE CAVES RD STE 125 AUSTIN, TX 78746 | AMERITAS LIFE INSURANCE CORP | $13K | — | $13K | 10.00% |
| MMA DALLAS-WALNUT HILL3 | 8144 WALNUT HILL LN 16TH FL DALLAS, TX 75261 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $5K | — | $5K | 15.00% |
| MARSH & MCLENNAN AGENCY LLC3 | 8144 WALNUT HILL LN STE 1600 DALLAS, TX 75231 | UNUM LIFE INSURANCE COMPANY OF AMERICA | — | $2K | $2K | 4.41% |
| MARSH & MCLENNAN AGENCY LLC3 | 8144 WALNUT HILL LN STE 1600 DALLAS, TX 75231 | UNUM INSURANCE COMPANY | $2K | $399 | $2K | 18.09% |
| MARSH & MCLENNAN AGENCY LLC3 | 8144 WALNUT HILL LN STE 1600 DALLAS, TX 75231 | UNUM INSURANCE COMPANY | $1K | $255 | $1K | 18.09% |
| MARSH & MCLENNAN AGENCY LLC3 | 8144 WALNUT HILL LN STE 1600 DALLAS, TX 75231 | UNUM INSURANCE COMPANY | $1K | $252 | $1K | 18.40% |
| MARSH & MCLENNAN AGENCY LLC3 | 2500 CITY WEST BLVD STE 2400 HOUSTON, TX 77042 | METROPOLITAN GENERAL INSURANCE COMPANY | $653 | — | $653 | 14.99% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: RJF AGENCIES, INC. | 7225 NORTHLAND DRIVE NORTH SUITE 300 MINNEAPOLIS, MN 55428 | METROPOLITAN GENERAL INSURANCE COMPANY | — | $25 | $25 | 0.57% |
| MARSH & MCLENNAN AGENCY LLC3 | 250 PEHLE AVENUE PARK 80 WEST, PLAZA TWO, SUITE 400 SADDLE BROOK, NJ 07663 | METROPOLITAN GENERAL INSURANCE COMPANY | — | $7 | $7 | 0.16% |
| MARSH & MCLENNAN AGENCY LLC3 | 9850 NW 41ST ST STE 100 MIAMI, FL 33178 | METROPOLITAN GENERAL INSURANCE COMPANY | — | $4 | $4 | 0.09% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCCLENNAN | 6279 TRI RIDGE BLVD STE 400 LOVELAND, OH 45140 | METROPOLITAN GENERAL INSURANCE COMPANY | — | $2 | $2 | 0.05% |
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 | 126 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 6 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 132 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 111 | $698K |
| Dental | AMERITAS LIFE INSURANCE CORP | 202 | $131K |
| Vision | AMERITAS LIFE INSURANCE CORP | 202 | $131K |
| Life insurance(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 126 | $255K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 126 | $221K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 126 | $221K |
| Prescription drug | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 111 | $408K |
| Other(6 contracts, 3 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 126 | $288K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 202 | — |
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."
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.