| 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 1600 DALLAS, TX 75231 | UNITED HEALTHCARE INSURANCE COMPANY | $11K | $12K | $24K | 1.82% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH AND MCLENNAN AGENCY LLC | 8144 WALNUT HILL LANE, 16TH FLOOR DALLAS, TX 75231 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $12K | — | $12K | 15.00% |
| DENNIS M. ESARTE3 | 1300 NORTH CUSTER ROAD ALLEN, TX 75013 | CONTINENTAL AMERICAN INSURANCE COMPANY | $911 | — | $911 | 25.48% |
| MC & H LIFE AGENCY INC3 Filed as: MC AND H LIFE AGENCY, INC. | 301 CONGRESS AVENUE, SUITE 1000 AUSTIN, TX 78701 | CONTINENTAL AMERICAN INSURANCE COMPANY | $758 | — | $758 | 21.20% |
| EDUARDO REYNA3 | 1200 JASMINE STREET LANTANA, TX 76226 | CONTINENTAL AMERICAN INSURANCE COMPANY | $303 | — | $303 | 8.48% |
| NANCY E ODOM3 Filed as: NANCY E. ODOM | 5810 SMOKE GLASS TRAIL DALLAS, TX 75252 | CONTINENTAL AMERICAN INSURANCE COMPANY | $205 | — | $205 | 5.73% |
| GARY C KLEIN3 Filed as: GARY C. KLEIN | 3211 SAN SEBASTIAN DRIVE CARROLLTON, TX 75006 | CONTINENTAL AMERICAN INSURANCE COMPANY | $14 | — | $14 | 0.39% |
| HARVEY EDWARD MCCREARY JR3 Filed as: HARVEY MCCREARY, JR. | 700 CENTRAL EXPRESSWAY SOUTH SUITE 380 ALLEN, TX 75013 | CONTINENTAL AMERICAN INSURANCE COMPANY | $14 | — | $14 | 0.39% |
| JOHN M JOHNSON3 Filed as: JOHN M. JOHNSON | 2150 WEST NW HIGHWAY, SUITE 114 GRAPEVINE, TX 76051 | CONTINENTAL AMERICAN INSURANCE COMPANY | $14 | — | $14 | 0.39% |
| MC & H LIFE AGENCY INC3 Filed as: MC AND H LIFE AGENCY, INC. | 8144 WALNUT HILL LANE, SUITE 1600 DALLAS, TX 75231 | DELAWARE AMERICAN LIFE INSURANCE COMPANY | $225 | — | $225 | 15.00% |
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 | 113 | 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) | 113 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITED HEALTHCARE INSURANCE COMPANY | 292 | $1.3M |
| Dental | UNITED HEALTHCARE INSURANCE COMPANY | 292 | $1.3M |
| Vision | UNITED HEALTHCARE INSURANCE COMPANY | 292 | $1.3M |
| Life insurance | RELIANCE STANDARD LIFE INSURANCE COMPANY | 113 | $82K |
| Short-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 113 | $82K |
| Long-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 113 | $82K |
| Prescription drug | UNITED HEALTHCARE INSURANCE COMPANY | 292 | $1.3M |
| Other(3 contracts, 3 carriers) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 113 | $87K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 292 | — |
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.