| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MC & H LIFE AGENCY INC3 Filed as: MC & H LIFE AGENCY, INC. | 8144 WALNUT HILL LANE SUITE 1600 DALLAS, TX 75231 | UNITEDHEALTHCARE INSURANCE COMPANY | $22K | $40K | $62K | 4.67% |
| MARSH & MCLENNAN AGENCY LLC3 | 8144 WALNUT HILL LANE SUITE 1600 DALLAS, TX 75231 | UNITEDHEALTHCARE INSURANCE COMPANY | $25K | $13K | $38K | 2.85% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSHA & MCLENNAN AGENCY LLC | 2500 CITYWEST BOULEVARD SUITE 2400 HOUSTON, TX 77042 | METROPOLITAN LIFE INSURANCE COMPANY | $6K | — | $6K | 9.20% |
| MC & H LIFE AGENCY INC3 Filed as: MC & H LIFE AGENCY, INC. | 8144 WALNUT HILL LANE 16TH FLOOR DALLAS, TX 75231 | METROPOLITAN LIFE INSURANCE COMPANY | $2K | $81 | $2K | 2.74% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN | 250 PEHLE AVENUE SUITE 400 PARK 80 PLAZA 2 SADDLE BROOK, NJ 07663 | METROPOLITAN LIFE INSURANCE COMPANY | — | $461 | $461 | 0.74% |
| MARSH & MCLENNAN AGENCY LLC3 | 2500 CITY WEST BOULEVARD SUITE 240 HOUSTON, TX 77042 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $6K | $3K | $9K | 17.30% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MHBT INC | 8144 WALNUT HILL LANE SUITE 1600 DALLAS, TX 75231 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | — | $2K | 3.75% |
| MARSH & MCLENNAN AGENCY LLC3 | 8144 WALNUT HILL LANE SUITE 1600 DALLAS, TX 75231 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $5K | $2K | $7K | 16.61% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MHBT INC | 8144 WALNUT HILL LANE SUITE 1600 DALLAS, TX 75231 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | — | $2K | 3.72% |
| MARSH & MCLENNAN AGENCY LLC3 | 8144 WALNUT HILL LANE SUITE 1600 DALLAS, TX 75231 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | $1K | $4K | 16.93% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MHBT INC | 8144 WALNUT HILL LANE SUITE 1600 DALLAS, TX 75231 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $854 | — | $854 | 3.84% |
| T ALLEN HOWDESHELL3 Filed as: ALLEN V HUNDLEY | 620 TAYLOR TRAIL MURPHY, TX 75094 | AFLAC | $2K | $202 | $2K | 9.70% |
| STACIE R PEARSON3 | 934 CHARLES RIVER COURT ALLEN, TX 75013 | AFLAC | $1K | — | $1K | 6.59% |
| GAY M HUNDLEY3 | 1416 GABLES COURT PLANO, TX 75075 | AFLAC | $825 | $51 | $876 | 3.97% |
| OLGA GILBERT SILVA3 | 333 PRESTONWOOD DRIVE APARTMENT 105 RICHARDSON, TX 75081 | AFLAC | $606 | $1 | $607 | 2.75% |
| LINDA JANE NEVAREZ3 | 713 BETHANY LAKE BOULEVARD ALLEN, TX 75002 | AFLAC | $539 | — | $539 | 2.44% |
| JOANNA BARRAZA3 | 5000 K AVENUE APARTMENT 3016 PLANO, TX 75074 | AFLAC | $307 | $49 | $356 | 1.61% |
| ADAM SHANE HUNDLEY3 | 620 TAYLOR TRAIL MURPHY, TX 75094 | AFLAC | $318 | $17 | $335 | 1.52% |
| ROBERT PERRY EVANS JR3 | 1031 SADDLEBROOK DRIVE LUCAS, TX 75002 | AFLAC | $135 | $49 | $184 | 0.83% |
| MICHAEL FATHERREE3 | 11876 MOORHEN CIRCLE FORT WORTH, TX 76244 | AFLAC | $43 | — | $43 | 0.19% |
| LEONARDO JACKSON3 | 457 LAKE PARK DRIVE GRAND PRAIRIE, TX 75052 | AFLAC | $34 | — | $34 | 0.15% |
| KEVIN B BAILEY3 | 7105 WIND ROW DRIVE MCKINNEY, TX 75070 | AFLAC | $28 | — | $28 | 0.13% |
| ANN K GRAVSETH3 | 4528 CEDARBRUSH DRIVE DALLAS, TX 75229 | AFLAC | $26 | — | $26 | 0.12% |
| FRANKLIN R DAVIES3 | 201 ROYAL ABERDEEN WAY MCKINNEY, TX 75070 | AFLAC | $23 | — | $23 | 0.10% |
| RUBEN JORGE FLORES JR3 | 1201 BRASHEAR LANE CEDAR PARK, TX 78613 | AFLAC | $15 | — | $15 | 0.07% |
| JAMES A VANDIVER3 | 4516 LOUISVILLE DRIVE PLANO, TX 75093 | AFLAC | $14 | — | $14 | 0.06% |
| CANDICE RENEE TREVINO3 | 12594 SOUTH STATE HIGHWAY 121 TRENTON, TX 75490 | AFLAC | $9 | — | $9 | 0.04% |
| JOHN DEE MAULDIN3 | 3209 PHAETON COURT PLANO, TX 75023 | AFLAC | $9 | — | $9 | 0.04% |
| BYRON RECE SUTHERLIN3 | 216 HEATHERWOOD DRIVE IRVING, TX 75063 | AFLAC | $8 | — | $8 | 0.04% |
| SCOTT WEBB3 | 2155 WEST PINNACLE PEAK ROAD SUITE 205 PHOENIX, AZ 85027 | AFLAC | $4 | — | $4 | 0.02% |
| KEVIN B BAILEY3 | 2300 KATHRYN LANE APARTMENT 2318 PLANO, TX 75025 | AFLAC | $3 | — | $3 | 0.01% |
| MC & H LIFE AGENCY INC-DALLAS3 Filed as: MC&H LIFE AGENCY DALLAS, TEXAS | 8144 WALNUT HILL LANE DALLAS, TX 75231 | EYEMED VISION CARE | $997 | — | $997 | 7.39% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY LLC-DALLAS | 8144 WALNUT HILL DALLAS, TX 75231 | EYEMED VISION CARE | $350 | — | $350 | 2.60% |
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 | 175 | 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) | 175 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | UNITEDHEALTHCARE INSURANCE COMPANY | 296 | $1.3M |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 178 | $62K |
| Vision | EYEMED VISION CARE | 226 | $13K |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 205 | $40K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 204 | $49K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 204 | $49K |
| Other(3 contracts, 2 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 205 | $85K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 296 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.