| 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 | $2K | $138K | $140K | 4.38% |
| MARSH & MCLENNAN AGENCY LLC3 | 8144 WALNUT HILL LANE SUITE 1600 DALLAS, TX 75231 | UNITEDHEALTHCARE INSURANCE COMPANY | $29K | $76K | $105K | 3.30% |
| HEATHER DIANE MCFARLAND3 | 360 QUALITY CIRCLE NORTHWEST SUITE 220B HUNTSVILLE, AL 35806 | UNITEDHEALTHCARE INSURANCE COMPANY | $14K | $37K | $51K | 1.59% |
| MC & H LIFE AGENCY INC3 Filed as: MC&H LIFE AGENCY, INC | 8144 WALNUT HILL LANE 16TH FLOOR DALLAS, TX 75231 | CIGNA | $15K | $2K | $17K | 11.02% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY | 8144 WALNUT HILL LANE 16TH FLOOR DALLAS, TX 75231 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $15K | — | $15K | 15.66% |
| AXA ASSISTANCE, USA3 | 122 SOUTH MICHIGAN AVENUE SUITE 1100 CHICAGO, IL 60603 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | — | $68 | $68 | 0.07% |
| BAGWELL, TEARLE, DAVID3 Filed as: BAGWELL, TEARLE D | 3608 QUALITY CIRCLE SUITE 220 HUNTSVILLE, AL 35806 | KANAWHA INSURANCE COMPANY | $13K | — | $13K | 14.96% |
| ASSUREDPARTNERS3 Filed as: VISUAL BENEIT COMMUNICATIONS INC | 7500 MEMORIAL PKWY SW HUNTSVILLE, AL 35802 | KANAWHA INSURANCE COMPANY | $12K | — | $12K | 14.05% |
| MCFARLAND, HEATHER, DIANE BAGWELL3 Filed as: MCFARLAND, HEATHER D | 695 LOVE BRANCH ROAD HARVEST, AL 35749 | KANAWHA INSURANCE COMPANY | $3K | — | $3K | 3.68% |
| MC & H LIFE AGENCY INC3 Filed as: MC & H LIFE AGENCY | 8144 WALNUT HILL LANE SUITE 1600 DALLAS, TX 75231 | KANAWHA INSURANCE COMPANY | $1K | — | $1K | 1.57% |
| TYLER, GENE, RAYMOND3 Filed as: TYLER, GENE R | 4550 HIGHWAY 360 SUITE 190 GRAPEVINE, TX 76051 | KANAWHA INSURANCE COMPANY | $159 | — | $159 | 0.18% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN LLC | 8144 WALNUT HILL LANE DALLAS, TX 75231 | EYEMED VISION CARE | $1K | — | $1K | 6.53% |
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 | 849 | 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) | 849 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 849 | $3.2M |
| Dental | CIGNA | 278 | $157K |
| Vision | EYEMED VISION CARE | 587 | $22K |
| Life insurance(2 contracts, 2 carriers) | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 118 | $182K |
| Short-term disability | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 118 | $95K |
| Long-term disability | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 118 | $95K |
| Other(2 contracts, 2 carriers) | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 118 | $182K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 849 | — |
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.