| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MC & H LIFE AGENCY INC3 | 8144 WALNUT HILL LANE 1600 DALLAS, TX 75231 | BLUECROSS BLUESHIELD OF TEXAS | — | $3K | $3K | 0.18% |
| CHILD, INC3 Filed as: CHILD, INC. | 818 EAST 53RD STREET AUSTIN, TX 78751 | BLUECROSS BLUESHIELD OF TEXAS | — | $14 | $14 | 0.00% |
| CHILD, INC3 | 818 EAST 53RD STREET AUSTIN, TX 78751 | BLUECROSS BLUESHIELD OF TEXAS | — | $14 | $14 | 0.00% |
| MMA DALLAS-WALNUT HILL3 | 8144 WALNUT HILL LANE 16TH FLOOR DALLAS, TX 75261 | UNUM LIFE INSURANCE COMPANY OF AMERICA | — | $909 | $909 | 1.46% |
| MMA DALLAS-WALNUT HILL3 | 8144 WALNUT HILL LANE 16TH FLOOR DALLAS, TX 75261 | UNUM LIFE INSURANCE COMPANY OF AMERICA | — | $381 | $381 | 1.44% |
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 | 271 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 3 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 13 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 287 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUECROSS BLUESHIELD OF TEXAS | 281 | $1.7M |
| Vision | VISION SERVICE PLAN | 268 | $20K |
| Life insurance(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 269 | $89K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 269 | $62K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 269 | $62K |
| Other(3 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 284 | $95K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 284 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.