| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MC & H LIFE AGENCY INC3 Filed as: MC & H LIFE AGENCY INC. | 8144 WALNUT HILL LANE, SUITE 1600 DALLAS, TX 75231 | UNITEDHEALTHCARE INSURANCE COMPANY | — | $38K | $38K | 0.70% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY, LLC | 8144 WALNUT HILL LANE 16TH FL DALLAS, TX 75231 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $14K | — | $14K | 3.35% |
| LOCKTON COMPANIES, LLC3 | 444 WEST 47TH STREET, SUITE 900 KANSAS CITY, MO 64112 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $7K | — | $7K | 1.65% |
| MMA DALLAS-WALNUT HILL3 | 8144 WALNUT HILL LANE 16TH FLOOR DALLAS, TX 75261 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $21K | $7K | $28K | 14.62% |
| LOCKTON COMPANIES, LLC3 | P.O. BOX 843844 KANSAS CITY, MO 64184 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $12K | $5K | $17K | 8.81% |
| MMA DALLAS-WALNUT HILL3 | 8144 WALNUT HILL LANE 16TH FLOOR DALLAS, TX 75261 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $4K | $2K | $5K | 9.00% |
| LOCKTON COMPANIES, LLC3 | P.O. BOX 843844 KANSAS CITY, MO 64184 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $2K | $1K | $3K | 5.35% |
| MCQUEARY HENRY BOWLES TROY LLP3 Filed as: MCQUEARY HENRY BOWLES TROY | 8144 WALNUT HILL LANE, SUITE 1600 DALLAS, TX 75251 | EYEMED VISION CARE | $4K | — | $4K | 7.04% |
| LOCKTON COMPANIES, LLC3 | P.O. BOX 843844 KANSAS CITY, MO 64184 | EYEMED VISION CARE | $2K | — | $2K | 3.26% |
| FLEXVISION - MD3 | 15400 CALHOUN DR., SUITE 125 ROCKVILLE, MD 20855 | EYEMED VISION CARE | $1K | — | $1K | 2.06% |
| MARSH & MCLENNAN AGENCY LLC4 Filed as: MHBT, INC. | 301 CONGRESS AVE., SUITE 1000 AUSTIN, TX 78701 | PRE-PAID LEGAL SERVICES, INC. DBA LEGALSHIELD | $10K | — | $10K | 24.55% |
| JULIE J STEFEK4 Filed as: JULIE J. STEFEK | 500 JARVIS ROAD COPPERAS COVE, TX 76522 | PRE-PAID LEGAL SERVICES, INC. DBA LEGALSHIELD | $592 | — | $592 | 1.51% |
| KENNETH L. JOHNSON4 | 17134 ASHBURY LDG SAN ANTONIO, TX 78247 | PRE-PAID LEGAL SERVICES, INC. DBA LEGALSHIELD | $61 | — | $61 | 0.16% |
| TAMARA HIGGS4 | 113 WALNUT STREET NEPTUNE, NJ 07753 | PRE-PAID LEGAL SERVICES, INC. DBA LEGALSHIELD | $41 | — | $41 | 0.10% |
| HEATHER N STEFEK4 | 500 JARVIS ROAD COPPERAS COVE, TX 76522 | PRE-PAID LEGAL SERVICES, INC. DBA LEGALSHIELD | $37 | — | $37 | 0.09% |
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 | 542 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 15 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 557 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 1,026 | $5.5M |
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 506 | $431K |
| Vision | EYEMED VISION CARE | 1,028 | $57K |
| Life insurance | UNUM LIFE INSURANCE COMPANY OF AMERICA | 542 | $192K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 542 | $192K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 542 | $192K |
| Other(3 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 542 | $291K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,028 | — |
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."
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.