| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY INC | 8144 WALNUT HILL FLOOR 15 DALLAS, TX 75231 | BLUECROSS BLUESHIELD OF TEXAS | $30K | $918 | $31K | 4.44% |
| MC & H LIFE AGENCY INC3 Filed as: MC & H LIFE AGENCY, INC. | 8144 WALNUT HILL LANE 15TH FLOOR DALLAS, TX 75231 | COMPANION LIFE INSURANCE COMPANY | $13K | — | $13K | 10.52% |
| MARSH & MCLENNAN AGENCY LLC3 | 8144 WALNUT HILL LANE FLOOR 16 DALLAS, TX 75231 | DEARBORN NATIONAL LIFE INSURANCE COMPANY | $6K | — | $6K | 9.66% |
| MARSH & MCLENNAN AGENCY LLC3 | 8144 WALNUT HILL LANE FLOOR 15 DALLAS, TX 75231 | DEARBORN NATIONAL LIFE INSURANCE COMPANY | $3K | — | $3K | 5.19% |
| MARSH & MCLENNAN AGENCY LLC3 | 8144 WALNUT HILL LANE FLOOR 16 DALLAS, TX 75231 | AMERITAS LIFE INSURANCE CORP | $1K | — | $1K | 10.00% |
| MARSH & MCLENNAN AGENCY LLC3 | 250 PEHLE AVENUE SUITE 400 SADDLE BROOK, NJ 07663 | AMERITAS LIFE INSURANCE CORP | — | $492 | $492 | 3.63% |
| RICK A. HAWKINS3 Filed as: RICK A HAWKINS | 4649 COURTYARD TRAIL PLANO, TX 75024 | TRANSAMERICA LIFE INSURANCE COMPANY | $3K | — | $3K | 33.62% |
| MARSH & MCLENNAN AGENCY LLC3 | 8144 WALNUT HILL LANE SUITE 1600 DALLAS, TX 75231 | TRANSAMERICA LIFE INSURANCE COMPANY | $58 | — | $58 | 0.77% |
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 | 220 | 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) | 221 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUECROSS BLUESHIELD OF TEXAS | 100 | $691K |
| Dental(2 contracts, 2 carriers) | BLUECROSS BLUESHIELD OF TEXAS | 253 | $705K |
| Vision | AMERITAS LIFE INSURANCE CORP | 253 | $14K |
| Life insurance | DEARBORN NATIONAL LIFE INSURANCE COMPANY | 218 | $60K |
| Long-term disability | DEARBORN NATIONAL LIFE INSURANCE COMPANY | 218 | $60K |
| Other(3 contracts, 3 carriers) | COMPANION LIFE INSURANCE COMPANY | 218 | $196K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 253 | — |
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.