| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY INC | — | BLUECROSS BLUESHIELD OF TEXAS | $21K | — | $21K | 2.71% |
| MC & H LIFE AGENCY INC3 Filed as: MC&H LIFE AGENCY INC | 8144 WALNUT HILL LANE #1600 DALLAS, TX 75231 | BLUECROSS BLUESHIELD OF TEXAS | $9K | $1K | $10K | 1.28% |
| MC & H LIFE AGENCY INC3 Filed as: MC&H LIFE AGENCY INC | 8144 WALNUT HILL LANE 1600 DALLAS, TX 75231 | BLUECROSS BLUESHIELD OF TEXAS | — | $6 | $6 | 0.00% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MHBT LLC | 8144 WALNUT HILL LANE 15TH FLOOR DALLAS, TX 75231 | COMPANION LIFE INSURANCE COMPANY | $20K | — | $20K | 11.08% |
| MARSH & MCLENNAN AGENCY LLC3 | 8144 WALNUT HILL LANE FLOOR 16 DALLAS, TX 75231 | AMERITAS LIFE INSURANCE CORP | $8K | — | $8K | 8.01% |
| MC & H LIFE AGENCY INC3 Filed as: MC & H LIFE AGENCY INC. | 8144 WALNUT HILL LANE SUITE 1600 DALLAS, TX 75231 | AMERITAS LIFE INSURANCE CORP | $2K | — | $2K | 1.99% |
| MARSH & MCLENNAN AGENCY LLC3 | PARK 80 WEST PLAZA TWO 250 PEHLE AVENUE SUITE 400 SADDLE BROOK, NJ 07663 | AMERITAS LIFE INSURANCE CORP | — | $2K | $2K | 1.68% |
| MC & H LIFE AGENCY INC3 Filed as: MC & H LIFE AGENCY INC. | 8144 WALNUT HILL LANE 16TH FLOOR DALLAS, TX 75231 | AMERITAS LIFE INSURANCE CORP | — | $219 | $219 | 0.22% |
| MARSH & MCLENNAN AGENCY LLC3 | 8144 WALNUT HILL LANE FLOOR 16 DALLAS, TX 75231 | DEARBORN NATIONAL LIFE INSURANCE COMPANY | $7K | — | $7K | 12.14% |
| MC & H LIFE AGENCY INC3 Filed as: MC & H LIFE AGENCY, INC. | 8144 WALNUT HILL LANE FLOOR 16 DALLAS, TX 75231 | DEARBORN NATIONAL LIFE INSURANCE COMPANY | $2K | — | $2K | 2.87% |
| RICK A. HAWKINS3 Filed as: RICK A HAWKINS | 4649 COURTYARD TRAIL PLANO, TX 75024 | TRANSAMERICA LIFE INSURANCE COMPANY | $279 | — | $279 | 2.31% |
| MC & H LIFE AGENCY INC3 Filed as: MC&H LIFE AGENCY INC | 8144 WALNUT HILL LANE SUITE 1600 DALLAS, TX 75231 | TRANSAMERICA LIFE INSURANCE COMPANY | $59 | — | $59 | 0.49% |
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 | 206 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 208 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUECROSS BLUESHIELD OF TEXAS | 89 | $765K |
| Dental | AMERITAS LIFE INSURANCE CORP | 114 | $97K |
| Vision | AMERITAS LIFE INSURANCE CORP | 114 | $97K |
| Life insurance | DEARBORN NATIONAL LIFE INSURANCE COMPANY | 287 | $58K |
| Long-term disability | DEARBORN NATIONAL LIFE INSURANCE COMPANY | 287 | $58K |
| Other(3 contracts, 3 carriers) | COMPANION LIFE INSURANCE COMPANY | 287 | $254K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 287 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.