| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 | — | BLUECROSS BLUESHIELD OF TEXAS | $80K | $0 | $80K | 3.33% |
| BROWN & BROWN INSURANCE SERVICES3 Filed as: BROWN & NOYES LLC | — | BLUECROSS BLUESHIELD OF TEXAS | $44K | $6K | $50K | 2.08% |
| MARSH & MCLENNAN AGENCY LLC3 | PO BOX 12748 ROANOKE, VA 24028 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $14K | $0 | $14K | 9.71% |
| BROWN & BROWN INSURANCE SERVICES3 Filed as: BROWN & NOYES LLC | 3151 BRIARPARK DRIVE, STE 1220 HOUSTON, TX 77042 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $8K | $0 | $8K | 5.29% |
| MARSH & MCLENNAN AGENCY LLC3 | PO BOX 12748 ROANOKE, VA 24028 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $3K | $0 | $3K | 9.65% |
| BROWN & BROWN INSURANCE SERVICES3 Filed as: BROWN & NOYES LLC | 3151 BRIARPARK DRIVE, STE 1220 HOUSTON, TX 77042 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $2K | $0 | $2K | 5.35% |
| BROWN & BROWN INSURANCE SERVICES3 Filed as: BROWN & NOYES LLC | 3151 BRIARPARK DRIVE, STE 1220 HOUSTON, TX 77042 | DEARBORN LIFE INSURANCE COMPANY | $1K | $701 | $2K | 7.20% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY LLC PA | PO BOX 350 CONSHOHOCKEN, PA 19428 | DEARBORN LIFE INSURANCE COMPANY | $2K | $0 | $2K | 5.10% |
| KILPATRICK COMPANIES LLC3 | 1050 WILCREST DR HOUSTON, TX 77042 | DEARBORN LIFE INSURANCE COMPANY | $0 | $1K | $1K | 3.36% |
| STEALTH PARTNER GROUP LLC3 Filed as: STEALTH BENEFIT SOLUTIONS LLC | 18940 N PIMA RD, STE 210 SCOTTSDALE, AZ 85255 | DEARBORN LIFE INSURANCE COMPANY | $0 | $768 | $768 | 2.54% |
| MARSH & MCLENNAN AGENCY LLC3 | PO BOX 12748 ROANOKE, VA 24028 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $2K | $0 | $2K | 9.59% |
| BROWN & BROWN INSURANCE SERVICES3 Filed as: BROWN & NOYES LLC | 3151 BRIARPARK DRIVE, STE 1220 HOUSTON, TX 77042 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $1K | $0 | $1K | 5.41% |
| MARSH & MCLENNAN AGENCY LLC3 | PO BOX 12748 ROANOKE, VA 24028 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $2K | $0 | $2K | 9.81% |
| BROWN & BROWN INSURANCE SERVICES3 Filed as: BROWN & NOYES LLC | 3151 BRIARPARK DRIVE, STE 1220 HOUSTON, TX 77042 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $940 | $0 | $940 | 5.19% |
| GCG FINANCIAL LLC3 Filed as: CLARITY ENROLLMENT SLTNS LLC | PO BOX 46122 EDEN PRAIRIE, MN 55344 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $8K | $0 | $8K | 42.25% |
| BROWN & BROWN INSURANCE SERVICES3 Filed as: BROWN & NOYES LLC | 3151 BRIARPARK DRIVE, STE 1220 HOUSTON, TX 77042 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $4K | $0 | $4K | 22.75% |
| JENNON M CARUTH3 | PO BOX 46122 EDEN PRAIRIE, MN 55344 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $7K | $0 | $7K | 42.25% |
| BROWN & BROWN INSURANCE SERVICES3 Filed as: BROWN & NOYES LLC | 3151 BRIARPARK DRIVE, STE 1220 HOUSTON, TX 77042 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $4K | $0 | $4K | 22.75% |
| JENNON M CARUTH3 | PO BOX 46122 EDEN PRAIRIE, MN 55344 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $6K | $0 | $6K | 39.56% |
| BROWN & BROWN INSURANCE SERVICES3 Filed as: BROWN & NOYES LLC | 3151 BRIARPARK DRIVE, STE 1220 HOUSTON, TX 77042 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $5K | $0 | $5K | 30.44% |
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 | 476 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 3 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 479 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUECROSS BLUESHIELD OF TEXAS | 557 | $2.4M |
| Dental | BLUECROSS BLUESHIELD OF TEXAS | 557 | $2.4M |
| Vision | DEARBORN LIFE INSURANCE COMPANY | 310 | $30K |
| Life insurance(2 contracts) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 476 | $39K |
| Short-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 476 | $145K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 476 | $30K |
| Other(5 contracts) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 476 | $89K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 557 | — |
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.
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Multiple-employer welfare arrangement. Specific regulatory and compliance context; specific consultant niche.