| 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 SUTIE 1600 DALLAS, TX 75231 | UNITEDHEALTHCARE INSURANCE COMPANY | $15K | $77K | $92K | 3.07% |
| MC & H LIFE AGENCY INC3 Filed as: MC&H LIFE AGENCY INC | 8144 WALNUT HILL LANE 16TH FLOOR DALLAS, TX 75231 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $3K | $14K | $17K | 17.63% |
| AXA ASSISTANCE, USA3 | 122 SOUTH MICHIGAN AVENUE SUITE 1100 CHICAGO, IL 60603 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | — | $60 | $60 | 0.06% |
| MC & H LIFE AGENCY INC3 Filed as: MC&H LIFE AGENCY, INC | 8144 WALNUT HILL LANE 16TH FLOOR DALLAS, TX 75231 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $17K | — | $17K | 28.40% |
| AXA ASSISTANCE, USA3 | 122 SOUTH MICHIGAN AVE SUITE 1100 CHICAGO, IL 60603 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | — | $60 | $60 | 0.10% |
| TEARLE BAGWELL3 Filed as: TEARLE D BAGWELL | 7500 MEMORIAL PARKWAY SUITE 211 HUNTSVILLE, AL 35802 | KANAWHA INSURANCE COMPANY | $17K | — | $17K | 36.99% |
| HEATHER D MCFARLAND3 | 695 LOVE BRANCH ROAD HARVEST, AL 35749 | KANAWHA INSURANCE COMPANY | $2K | — | $2K | 5.36% |
| VISUAL BENEFIT COMMUNICATIONS INC3 Filed as: VISUAL BENEFIT COMMUNCATIONS INC | 7500 MEMORIAL PARKWAY SOUTHWEST HUNTSVILLE, AL 35802 | KANAWHA INSURANCE COMPANY | $2K | — | $2K | 4.65% |
| MC & H LIFE AGENCY INC-DALLAS3 Filed as: MC&H LIFE AGENCY - DALLAS | 8144 WALNUT HILL LANE SUITE 1600 DALLAS, TX 75231 | KANAWHA INSURANCE COMPANY | $2K | — | $2K | 3.92% |
| GENE R TYLER3 | 2201 HARWOOD ROAD BEDFORD, TX 76021 | KANAWHA INSURANCE COMPANY | $753 | — | $753 | 1.65% |
| ROBIN K MATHIS3 | 565 MARRIOTT DRIVE SUITE 500 NASHVILLE, TN 37214 | KANAWHA INSURANCE COMPANY | $514 | — | $514 | 1.12% |
| BENJAMIN PALACIOS3 | 3004 PRAIRIE OAK BOULEVARD GRAND PRAIRIE, TX 75052 | KANAWHA INSURANCE COMPANY | $338 | — | $338 | 0.74% |
| CHRISTOPHER J CRAMER3 Filed as: CHRISTOPHER CRAMER | 1940 FOUNTAIN VIEW DRIVE PMB 113 HOUSTON, TX 77057 | KANAWHA INSURANCE COMPANY | $317 | — | $317 | 0.69% |
| THE BENEFIT COMPANY INC3 | PO BOX 211486 COLUMBIA, SC 29221 | KANAWHA INSURANCE COMPANY | $216 | — | $216 | 0.47% |
| USI INSURANCE SERVICES LLC3 Filed as: USI SOUTHWEST INC | 840 GESSNER SUITE 600, THREE MEMORIAL CITY HOUSTON, TX 77024 | KANAWHA INSURANCE COMPANY | $136 | — | $136 | 0.30% |
| HUMANA MARKETPOINT INC3 | 500 WEST MAIN NCT 28 LOUISVILLE, KY 40202 | KANAWHA INSURANCE COMPANY | $72 | — | $72 | 0.16% |
| BB&T INSURANCE SERVICES, INC.3 Filed as: BB&T INSURANCE SERVICE INC | 38 ROUSS AVENUE SUITE 100 WINCHESTER, VA 22601 | KANAWHA INSURANCE COMPANY | $62 | — | $62 | 0.14% |
| JULIA PALACIOS3 | 3004 PRAIRIE OAK BOULEVARD GRAND PRAIRIE, TX 75052 | KANAWHA INSURANCE COMPANY | $58 | — | $58 | 0.13% |
| SHEILA J BUTLER AND COMPANY INC3 | 225 MAPLE VIEW DRIVE SUITE 302 CARROLLTON, GA 30117 | KANAWHA INSURANCE COMPANY | $50 | — | $50 | 0.11% |
| BB&T INSURANCE SERVICES, INC.3 Filed as: BB&T INSURANCE SERVICE INC - LOUISV | PO BOX 436869 LOUISVILLE, KY 40253 | KANAWHA INSURANCE COMPANY | $38 | — | $38 | 0.08% |
| TRACY L HOSTLER3 Filed as: TRACY HINRICHS | 7182 LIBERTY CENTRE DRIVE SUITE Q WEST CHESTER, OH 45069 | KANAWHA INSURANCE COMPANY | $29 | — | $29 | 0.06% |
| BW EMPLOYEE BENEFITS LLC3 | 7887 WASINGTON VILL DRIVE SUITE 295 DAYTON, OH 45459 | KANAWHA INSURANCE COMPANY | $19 | — | $19 | 0.04% |
| THE HORTON GROUP3 Filed as: HORTON GROUP INC - ORLANDO PARK | 10320 ORLANDO PARKWAY ORLANDO PARK, ID 60467 | KANAWHA INSURANCE COMPANY | $16 | — | $16 | 0.03% |
| PATRICK F GALLA3 | 2918 CLIFFWYNDE TRACE LOUISVILLE, KY 40241 | KANAWHA INSURANCE COMPANY | $13 | — | $13 | 0.03% |
| KATHLEEN M BAUER3 | 2621 MASON AVENUE LAS VEGAS, NV 89102 | KANAWHA INSURANCE COMPANY | $13 | — | $13 | 0.03% |
| NATIONAL HEALTCARE ACCESS AGENCY3 | 139 EAST WARM SPRINGS ROAD LAS VEGAS, NV 89119 | KANAWHA INSURANCE COMPANY | $9 | — | $9 | 0.02% |
| INTEGRO INSURANCE BROKERS3 Filed as: EPIC INSURANCE SOLUTIONS LLC | 9700 ORMSBY STATION ROAD SUITE 200 LOUISVILLE, KY 40223 | KANAWHA INSURANCE COMPANY | $8 | — | $8 | 0.02% |
| CALVIN J KOHLENBERG3 | PO BOX 1513 DUBUQUE, IA 52004 | KANAWHA INSURANCE COMPANY | $6 | — | $6 | 0.01% |
| DAVID T BROWNING3 | PO BOX 71429 NEWNAN, GA 30271 | KANAWHA INSURANCE COMPANY | $5 | — | $5 | 0.01% |
| JOHNSON INSURANCE SERVICES LLC3 Filed as: JOHNSON INSURANCE SERVICE LLC | 555 MAIN STREET RACINE, WI 53403 | KANAWHA INSURANCE COMPANY | $5 | — | $5 | 0.01% |
| MC & H LIFE AGENCY INC-DALLAS3 Filed as: MC & H LIFE AGENCY - DALLAS | 8144 WALNUT HILL LANE SUITE 1600 DALLAS, TX 75231 | KANAWHA INSURANCE COMPANY | — | $4 | $4 | 0.01% |
| BILLY G HICKS3 | 1832 WILLOW GLYNN ROAD ROCKY MOUNTAIN, NC 27804 | KANAWHA INSURANCE COMPANY | $2 | — | $2 | 0.00% |
| DWIGHT PIERCE C/O BENEFITS SERVICES3 Filed as: DWIGHT AWS PIERCE | 1365 WEST VISTA WAY SUITE 201 VISTA, CA 92083 | KANAWHA INSURANCE COMPANY | $2 | — | $2 | 0.00% |
| FRANCISCO COMBES3 | 426 COLLEGIATE DRIVE POWDER SPRINGS, GA 30127 | KANAWHA INSURANCE COMPANY | $1 | — | $1 | 0.00% |
| DAVID R PERRY3 | PO BOX 3809 BATON ROUGE, LA 70821 | KANAWHA INSURANCE COMPANY | -$8 | — | -$8 | -0.02% |
| JESS C HAMILL3 | 7211 LAMPLIGHT LANE AUSTIN, TX 78731 | KANAWHA INSURANCE COMPANY | -$21 | — | -$21 | -0.05% |
| JESS C HAMILL3 | 22159 NORTH PEPPER ROAD SUITE 12 LK BARRINGTON, IL 60010 | KANAWHA INSURANCE COMPANY | -$79 | — | -$79 | -0.17% |
| MUNICIPAL BENEFITS LLC3 Filed as: MUNICIPAL BENEFITS INC | 1053 BULLARD COURT RALEIGH, NC 27615 | KANAWHA INSURANCE COMPANY | -$92 | — | -$92 | -0.20% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF TENNESSE INC | 565 MARRIOT DRIVE SUITE 500 NASHVILLE, TN 37214 | KANAWHA INSURANCE COMPANY | -$154 | — | -$154 | -0.34% |
| STARLENE A ROBBINS3 | PO BOX 1007 LONDON, KY 40743 | KANAWHA INSURANCE COMPANY | -$230 | — | -$230 | -0.50% |
| MCQUEARY HENRY BOWLES TROY LLP3 Filed as: MCQUEARY HENRY BOWLES | 8144 WALNUT HILL LANE 16TH FLOOR DALLAS, TX 75231 | EYEMED VISION CARE | $3K | — | $3K | 11.24% |
| MC & H LIFE AGENCY INC3 Filed as: MC&H LIFE AGENCY INC | 8144 WALNUT HILL LANE 16TH FLOOR DALLAS, TX 75231 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $17K | — | $17K | 398.01% |
| AXA ASSISTANCE, USA3 Filed as: AXA ASSISTANCE USA | 122 SOUTH MICHIGAN AVE SUITE 1100 CHICAGO, IL 60603 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | — | $60 | $60 | 1.41% |
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 | 455 | 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) | 455 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 618 | $3.0M |
| Dental | UNITEDHEALTHCARE INSURANCE COMPANY | 618 | $3.0M |
| Vision | EYEMED VISION CARE | 673 | $31K |
| Life insurance(4 contracts, 2 carriers) | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 174 | $206K |
| Short-term disability(2 contracts, 2 carriers) | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 174 | $142K |
| Long-term disability | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 174 | $96K |
| Other(3 contracts, 2 carriers) | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 174 | $110K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 673 | — |
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.