| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MC & H LIFE AGENCY INC3 | 8144 WALNUT HILL LN, SUITE 1600 DALLAS, TX 75231 | UNITEDHEALTHCARE INSURANCE COMPANY | — | $90K | $90K | 2.62% |
| MC & H LIFE AGENCY INC3 | 8144 WALNUT HILL LN, SUITE 1600 DALLAS, TX 75231 | UNITEDHEALTHCARE INSURANCE COMPANY | — | $74K | $74K | 2.15% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY LLC DALLAS | 8144 WALNUT HILL LANE, 16TH FL DALLAS, TX 75231 | UNION SECURITY INSURANCE COMPANY | $21K | $8K | $29K | 11.06% |
| MARSH & MCLENNAN AGENCY LLC3 | 2500 CITY WEST BLVD, STE 240 HOUSTON, TX 770420000 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $8K | $3K | $12K | 20.45% |
| MARSH & MCLENNAN AGENCY LLC3 | 2500 CITY WEST BLVD, STE 240 HOUSTON, TX 770420000 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $8K | $3K | $11K | 20.49% |
| MARSH & MCLENNAN AGENCY LLC3 | 2500 CITY WEST BLVD, STE 240 HOUSTON, TX 770420000 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $6K | $2K | $8K | 20.64% |
| MARSH & MCLENNAN AGENCY LLC Filed as: MARSH & MCLENNAN AGENCY | 8144 WALNUT HILL LANE, 16TH FL DALLAS, TX 75231 | NATIONAL GUARDIAN LIFE INSURANCE COMPANY | $1K | — | $1K | 4.39% |
| MC & H LIFE AGENCY INC3 Filed as: MC & LIFE AGENCY INC | 8144 WALNUT LANE, 16TH FLOOR DALLAS, TX 752314388 | NATIONAL GUARDIAN LIFE INSURANCE COMPANY | $603 | — | $603 | 2.10% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY LLC DALLAS | 8144 WALNUT HILL LANE, 16TH FL DALLAS, TX 75231 | UNITED DENTAL CARE OF TEXAS, INC | $297 | $87 | $384 | 12.57% |
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 | 284 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 4 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 288 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 688 | $3.4M |
| Dental(2 contracts, 2 carriers) | UNION SECURITY INSURANCE COMPANY | 255 | $263K |
| Vision | NATIONAL GUARDIAN LIFE INSURANCE COMPANY | 556 | $29K |
| Life insurance(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 442 | $112K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 328 | $40K |
| Other(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 442 | $112K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 688 | — |
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.