| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MC & H LIFE AGENCY INC3 Filed as: MC & H LIFE AGENCY, INC. | 12700 PARK CENTRAL DR, 17TH FLOOR DALLAS, TX 75251 | HEALTH CARE SERVICE CORPORATION | $104K | — | $104K | 1.42% |
| MC & H LIFE AGENCY INC3 Filed as: MC & H LIFE AGENCY, INC. | 8144 WALNUT HILL LN DALLAS, TX 75231 | DELTA DENTAL OF NEW MEXICO | $3K | — | $3K | 5.17% |
| MCQUARRIE & ASSOCIATES3 | 12401 WOODLAND NE ALBUQUERQUE, NM 87112 | PRESBYTERIAN HEALTH PLAN | $3K | — | $3K | — |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| COMPASS BANK EIN 63-0476286 N/A | Trustee (bank, trust company, or similar financial institution); Investment management fees paid indirectly by plan Service code 21 | — | $10K |
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 | 0 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 357 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 357 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | HEALTH CARE SERVICE CORPORATION | 1,220 | $7.3M |
| Dental | DELTA DENTAL OF NEW MEXICO | 153 | $50K |
| Vision | VISION SERVICE PLAN | 54 | $10K |
| Prescription drug | PRESBYTERIAN HEALTH PLAN | 22 | $0 |
| Stop-loss / reinsurancereinsurance | HEALTH CARE SERVICE CORPORATION | 1,220 | $7.3M |
| Other | UNITEDHEALTHCARE INSURANCE COMPANY | 18 | $15K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,220 | — |
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."
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.