| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 | — | BLUECROSS BLUESHIELD OF TEXAS | $35K | $491 | $35K | 4.05% |
| MARSH & MCLENNAN AGENCY LLC3 | 8144 WALNUT HILL LANE FLOOR 16 DALLAS, TX 75231 | AMERITAS LIFE INSURANCE CORP | $10K | $5K | $15K | 14.69% |
| 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 | $9K | — | $9K | 10.00% |
| MARSH & MCLENNAN AGENCY LLC3 | 8144 WALNUT HILL 16TH FLOOR DALLAS, TX 75231 | DEARBORN NATIONAL LIFE INSURANCE COMPANY | $11K | — | $11K | 15.00% |
| MARSH & MCLENNAN AGENCY LLC3 | 2300 RENAISSANCE BOULEVARD KING OF PRUSSIA, PA 19406 | DEARBORN NATIONAL LIFE INSURANCE COMPANY | — | $3K | $3K | 4.39% |
| MARSH & MCLENNAN AGENCY LLC3 | 8144 WALNUT HILL LANE 16TH FLOOR DALLAS, TX 75231 | HARTFORD LIFE AND ACCIDENT | $2K | — | $2K | 21.78% |
| WEBTPA EMPLOYER SERVICES LLC3 | 8500 FREEPORT PARKWAY SOUTH IRVING, TX 75063 | HARTFORD LIFE AND ACCIDENT | — | $537 | $537 | 6.00% |
| MARSH & MCLENNAN AGENCY LLC3 | 100 FRONT STREET SUITE 800 WORCESTER, MA 01608 | HARTFORD LIFE AND ACCIDENT | — | $260 | $260 | 2.91% |
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 | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 220 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | BLUECROSS BLUESHIELD OF TEXAS | 136 | $960K |
| Dental | AMERITAS LIFE INSURANCE CORP | 133 | $102K |
| Vision | AMERITAS LIFE INSURANCE CORP | 133 | $102K |
| Life insurance | DEARBORN NATIONAL LIFE INSURANCE COMPANY | 220 | $74K |
| Short-term disability | DEARBORN NATIONAL LIFE INSURANCE COMPANY | 220 | $74K |
| Long-term disability | DEARBORN NATIONAL LIFE INSURANCE COMPANY | 220 | $74K |
| Other(3 contracts, 3 carriers) | COMPANION LIFE INSURANCE COMPANY | 220 | $176K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 220 | — |
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.