| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MC & H LIFE AGENCY INC3 Filed as: MC & H LIFE AGENCY INC. | 8144 WALNUT HILL LN. 16TH FLOOR DALLAS, TX 75231 | BLUE CROSS BLUE SHIELD TN | $21K | — | $21K | 0.07% |
| MARSH & MCLENNAN AGENCY LLC3 | 8144 WALNUT HILL LN. 16TH FLOOR DALLAS, TX 75231 | VISION SERVICE PLAN | $7K | — | $7K | 1.31% |
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 | 3,461 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 3,461 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD TN | 7,375 | $31.8M |
| Dental | DELTA DENTAL OF KENTUCKY | 7,286 | $1.8M |
| Vision | VISION SERVICE PLAN | 3,058 | $504K |
| Life insurance | AETNA LIFE INSURANCE CO. | 3,461 | $1.8M |
| Short-term disability | AETNA LIFE INSURANCE CO. | 3,461 | $1.8M |
| Long-term disability | AETNA LIFE INSURANCE CO. | 3,461 | $1.8M |
| Stop-loss / reinsurancereinsurance | BERKLEY LIFE AND HEALTH INSURANCE CO. | 7,375 | $1.6M |
| Other | AETNA LIFE INSURANCE CO. | 3,461 | $1.8M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 7,375 | — |
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 comp is under 1% of premium on a >$1M plan. Plan may be flying solo or paying a flat fee — consultant sales target.