| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY LLC - | DALLAS 8144 WALNUT HILL LN FL 15 DALLAS, TX 75231 | UNITEDHEALTHCARE INSURANCE COMPANY | $35K | — | $35K | 5.00% |
| MARSH & MCLENNAN AGENCY LLC3 | 8144 WALNUT HILL LN #15 DALLAS, TX 75231 | UNITEDHEALTHCARE INSURANCE COMPANY | — | $4K | $4K | 0.54% |
| MARSH & MCLENNAN AGENCY LLC3 | 8144 WALNUT HILL LN FL 16 DALLAS, TX 752314388 | KAISER FOUNDATION HEALTH PLAN INC | $21K | — | $21K | 4.42% |
| REUBEN WARNER ASSOCIATES, INC.3 Filed as: WARNER PACIFIC INSURANCE SERVICES, | INC 32110 AGOURA RD WESTLAKE VILLAGE, CA 913614026 | KAISER FOUNDATION HEALTH PLAN INC | $5K | — | $5K | 1.06% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH USA INC | FLOOR 16 8144 WALNUT HILL LN DALLAS, TX 752314388 | PRINCIPAL LIFE INSURANCE COMPANY | $13K | — | $13K | 6.80% |
| REUBEN WARNER ASSOCIATES, INC.3 Filed as: WARNER PACIFIC INSURANCE SERVICES | ATTN ACCOUNTING DEPT. 32110 AGOURA RD WESTLAKE VLG, CA 913614026 | PRINCIPAL LIFE INSURANCE COMPANY | $8K | — | $8K | 4.20% |
| MARSH & MCLENNAN AGENCY LLC3 | 8144 WALNUT HILL LN FL 15 DALLAS, TX 752314388 | PRINCIPAL LIFE INSURANCE COMPANY | $7K | — | $7K | 3.92% |
| MARSH & MCLENNAN AGENCY LLC3 | 2301 SUGAR BUSH RD STE 600 RALEIGH, NC 276123382 | PRINCIPAL LIFE INSURANCE COMPANY | $2K | — | $2K | 1.02% |
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 | 136 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 3 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 142 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 281 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | UNITEDHEALTHCARE INSURANCE COMPANY | 135 | $1.2M |
| Dental | PRINCIPAL LIFE INSURANCE COMPANY | 219 | $188K |
| Vision | PRINCIPAL LIFE INSURANCE COMPANY | 219 | $188K |
| Life insurance | PRINCIPAL LIFE INSURANCE COMPANY | 219 | $188K |
| Short-term disability | PRINCIPAL LIFE INSURANCE COMPANY | 219 | $188K |
| Long-term disability | PRINCIPAL LIFE INSURANCE COMPANY | 219 | $188K |
| Other | PRINCIPAL LIFE INSURANCE COMPANY | 219 | $188K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 219 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.