| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC Filed as: MARSH & MCLENNAN AGENCY | 8144 WALNUT HILL DALLAS, TX 75231 | DELTA DENTAL | — | $10K | $10K | 8.20% |
| MARSH & MCLENNAN AGENCY LLC7 Filed as: MARSH & MCLENNAN AGENCY | 8144 WALNUT HILL LN 16TH FLOOR DALLAS, TX 75231 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $9K | $1K | $10K | 12.74% |
| MARSH & MCLENNAN AGENCY LLC7 Filed as: MARSH & MCLENNAN AGENCY | 8144 WALNUT HILL 16TH FLOOR DALLAS, TX 75231 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $5K | $687 | $6K | 14.05% |
| MARSH & MCLENNAN AGENCY LLC7 Filed as: MARSH & MCLENNAN AGENCY | 8144 WALNUT HILL 16TH FLOOR DALLAS, TX 75231 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $3K | $420 | $4K | 14.05% |
| MARSH & MCLENNAN AGENCY LLC Filed as: MARSH & MCLELLAN AGENSEY LLC | 8144 WALNUT HILL LN 16 FLOOR DALLAS, TX 752314337 | VISIONS SERVICE PLAN | $704 | — | $704 | 6.11% |
| MC & H LIFE AGENCY INC Filed as: MC & H LIFE AGENCY, INC. | 8144 WALNUT HJILL LN 16TH FLOOR DALLAS, TX 752314337 | VISIONS SERVICE PLAN | $101 | — | $101 | 0.88% |
| MARSH & MCLENNAN AGENCY LLC7 Filed as: MARSH & MCLENNAN AGENCY | 8144 WALNUT HILL LN DALLAS, TX 75231 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $956 | $123 | $1K | 14.02% |
| MC & H LIFE AGENCY INC | 8144 WALNUT HILL DALLAS, TX 75231 | NATIONAL UNION FIRE INS. | $408 | — | $408 | 14.98% |
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 | 131 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 4 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 135 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL | 126 | $118K |
| Vision | VISIONS SERVICE PLAN | 71 | $12K |
| Life insurance(3 contracts, 2 carriers) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 137 | $88K |
| Short-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 131 | $44K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 131 | $27K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 137 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.