| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 | PARK 80 WEST PLAZA 2 SADDLE BROOK, NJ 07663 | TEXAS HEALTH AND AETNA HEALTH | — | $16K | $16K | 0.95% |
| MARSH & MCLENNAN AGENCY LLC3 | PARK 80 WEST PLAZA 2 SADDLE BROOK, NJ 07663 | AETNA LIFE INSURANCE CO | $18K | $8K | $26K | 13.24% |
| MARSH & MCLENNAN AGENCY LLC3 | 8144 WALNUT HILL LANE FLOOR 15 DALLAS, TX 75231 | HARTFORD LIFE AND ACCIDENT | $19K | — | $19K | 15.60% |
| MARSH & MCLENNAN AGENCY LLC3 | 8144 WALNUT HILL 15 FLOOR DALLAS, TX 75231 | NATIONWIDE | $3K | — | $3K | 10.00% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MHBT INC | SUITE 1600 8144 WALNUT HILL LANE DALLAS, TX 75231 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | $371 | — | $371 | 9.89% |
| BOWIE BALLARD3 | 411 BUCKINGHAM ROAD APARTMENT 1014 RICHARDSON, TX 75081 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | $296 | — | $296 | 7.89% |
| MARSH & MCLENNAN AGENCY LLC3 | 8144 WALNUT HILL 15TH FLOOR DALLAS, TX 75231 | CRUM & FORSTER | $54 | — | $54 | 9.93% |
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 | 99 | 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) | 99 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts) | TEXAS HEALTH AND AETNA HEALTH | 260 | $2.3M |
| Dental | AETNA LIFE INSURANCE CO | 425 | $196K |
| Vision | AETNA LIFE INSURANCE CO | 425 | $196K |
| Life insurance | HARTFORD LIFE AND ACCIDENT | 461 | $121K |
| Short-term disability | HARTFORD LIFE AND ACCIDENT | 461 | $121K |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 461 | $121K |
| Other(4 contracts, 4 carriers) | HARTFORD LIFE AND ACCIDENT | 461 | $156K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 461 | — |
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."
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.