| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 | 8144 WALNUT HILL LANE 16 FL DALLAS, TX 75231 | AETNA LIFE INURANCE CO. | $7K | $8K | $15K | 1.07% |
| MARSH & MCLENNAN AGENCY LLC3 | 8144 WALNUT HILL LN. 16TH FL DALLAS, TX 75231 | SUN LIFE ASSURANCE COMPANY | $7K | $0 | $7K | 11.96% |
| ITO LAH INC3 Filed as: ITO LAH INC. | 2311 TEXAS DRIVE STE 100 IRVING, TN 75062 | HARTFORD LIFE AND ACCIDENT | $4K | $0 | $4K | 13.53% |
| MORETON & COMPANY3 Filed as: JOHN L MORTON INC. | 12164 N. ANNA CADE RD ROCKWALL, TX 75087 | HARTFORD LIFE AND ACCIDENT | $4K | $0 | $4K | 13.53% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY LLC - DALLA | 8144 WALNUT HILL LANE DALLAS, TN 75231 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $652 | $0 | $652 | 5.54% |
| MC & H LIFE AGENCY INC3 Filed as: MC & H LIFE AGENCY | 8144 WALNUT HILL LANE 16TH FL DALLAS, TX 75231 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $318 | $0 | $318 | 2.70% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| MARSH & MCLENNAN AGENCY BROKER | Insurance agents and brokers Service code 22 | 8144 WALNUT HILL LANE 16TH FL DALLAS, TX 75231 | $68K |
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 | 268 | 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) | 268 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | AETNA LIFE INURANCE CO. | 268 | $1.4M |
| Dental | AETNA LIFE INURANCE CO. | 268 | $1.4M |
| Vision | FIDELITY SECURITY LIFE INSURANCE COMPANY | 223 | $12K |
| Life insurance | SUN LIFE ASSURANCE COMPANY | 152 | $56K |
| Short-term disability | SUN LIFE ASSURANCE COMPANY | 152 | $56K |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 163 | $31K |
| Other | SUN LIFE ASSURANCE COMPANY | 152 | $56K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 268 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.