| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MC & H LIFE AGENCY INC3 Filed as: MC AND H LIFE AGENCY INC | 8144 WALNUT HILL LANE, SUITE 1500 DALLAS, TX 75231 | UNITEDHEALTHCARE INSURANCE COMPANY | $21K | $5K | $25K | 2.79% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH AND MCLENNAN AGENCY LLC | 8144 WALNUT HILL LANE, SUITE 1500 DALLAS, TX 75231 | UNITEDHEALTHCARE INSURANCE COMPANY | $19K | — | $19K | 2.13% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH AND MCLENNAN AGENCY LLC | 8144 WALNUT HILL LANE, SUITE 1600 DALLAS, TX 75231 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $6K | $4K | $10K | 16.97% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH AND MCLENNAN AGENCY LLC | 8144 WALNUT HILL LANE, SUITE 1600 DALLAS, TX 75231 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $5K | $21 | $5K | 13.85% |
| PROFESSIONAL ENROLLMENT CONCEPTS3 | 6200 SAVOY, SUITE 345 HOUSTON, TX 77036 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $8K | $2K | $9K | 67.12% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH AND MCLENNAN AGENCY LLC | 8144 WALNUT HILL LANE, SUITE 1600 DALLAS, TX 75231 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $4K | $77 | $4K | 27.81% |
| BRANDON PENKO3 Filed as: BRANDON T PENKO | 6200 SAVOY DRIVE, SUITE 345 HOUSTON, TX 77036 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $894 | — | $894 | 6.36% |
| ALLEN BAKER3 | 6200 SAVOY DRIVE, SUITE 345 HOUSTON, TX 77036 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $383 | — | $383 | 2.73% |
| C2 CENTRIC LLC3 | PO BOX 6824 GRAND RAPIDS, MI 49516 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | — | $113 | $113 | 0.80% |
| ALLISON A WISE3 | 6200 SAVOY DRIVE, SUITE 345 HOUSTON, TX 77036 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $15 | — | $15 | 0.11% |
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 | 293 | 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) | 293 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 178 | $909K |
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 134 | $59K |
| Vision | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 134 | $59K |
| Life insurance(2 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 293 | $51K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 293 | $37K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 293 | $37K |
| Prescription drug | UNITEDHEALTHCARE INSURANCE COMPANY | 178 | $909K |
| Other | UNUM LIFE INSURANCE COMPANY OF AMERICA | 293 | $37K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 293 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
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.