| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MC & H LIFE AGY - DALLAS3 Filed as: MC & H LIFE AGY-AUSTIN | 8144 WALNUT HILL LANE SUITE 1600 DALLAS, TX 75231 | HUMANA HEALTH PLAN OF TEXAS, INC. | $33K | — | $33K | 2.97% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY LLC-DALLAS | 8144 WALNUT HILL LANE 16TH FLOOR DALLAS, TX 75231 | HUMANA HEALTH PLAN OF TEXAS, INC. | $7K | — | $7K | 0.67% |
| MARSH & MCLENNAN AGENCY LLC3 | 301 CONGRESS AVENUE SUITE 1000 AUSTIN, TX 78701 | HUMANA HEALTH PLAN OF TEXAS, INC. | $7K | — | $7K | 0.66% |
| MC & H LIFE AGENCY INC-DALLAS3 Filed as: MC & H LIFE AGENCY-DALLAS | 8144 WALNUT HILL LANE SUITE 1600 DALLAS, TX 75231 | HUMANA HEALTH PLAN OF TEXAS, INC. | — | $910 | $910 | 0.08% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY LLC-DALLAS | 8144 WALNUT HILL LANE 16TH FLOOR DALLAS, TX 75231 | HUMANA HEALTH PLAN OF TEXAS, INC. | — | $326 | $326 | 0.03% |
| MC & H LIFE AGENCY INC3 Filed as: MC&H LIFE AGENCY INC | 8144 WALNUT HILL LANE 16TH FLOOR DALLAS, TX 75231 | UNION SECURITY INSURANCE COMPANY | $9K | — | $9K | 14.36% |
| MARSH & MCLENNAN AGENCY LLC3 | 8144 WALNUT HILL LANE 16TH FLOOR DALLAS, TX 75231 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $4K | $3K | $7K | 13.25% |
| MC & H LIFE AGENCY INC3 | 8144 WALNUT HILL LANE 16TH FLOOR DALLAS, TX 75231 | UNION SECURITY INSURANCE COMPANY | $3K | — | $3K | 9.33% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY LLC DALLAS | 8144 WALNUT HILL LANE 16TH FLOOR DALLAS, TX 75231 | UNION SECURITY INSURANCE COMPANY | $686 | — | $686 | 2.01% |
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 | 199 | 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) | 199 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HUMANA HEALTH PLAN OF TEXAS, INC. | 132 | $1.1M |
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 121 | $51K |
| Vision | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 121 | $51K |
| Life insurance(2 contracts) | UNION SECURITY INSURANCE COMPANY | 199 | $100K |
| Short-term disability | UNION SECURITY INSURANCE COMPANY | 61 | $66K |
| Long-term disability | UNION SECURITY INSURANCE COMPANY | 199 | $34K |
| Other(2 contracts) | UNION SECURITY INSURANCE COMPANY | 199 | $100K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 199 | — |
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."
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.