| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY, LLC | 12222 MERIT DRIVE SUITE 1230 DALLAS, TX 75251 | BLUECROSS BLUESHIELD OF TEXAS | $51K | — | $51K | 3.45% |
| MC & H LIFE AGENCY INC3 Filed as: MC&H LIFE AGENCY INC. | 8144 WALNUT HILL LN 16TH FLOOR DALLAS, TX 75231 | BLUECROSS BLUESHIELD OF TEXAS | — | $2K | $2K | 0.14% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY, LLC | 12222 MERIT DRIVE SUITE 1230 DALLAS, TX 75251 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $17K | — | $17K | 10.84% |
| VARIOUS - SEE ATTACHED3 Filed as: VARIOUS BROKERS AND AGENTS | — | AFLAC | $5K | $110 | $5K | 3.88% |
| T ALLEN HOWDESHELL3 Filed as: ALLEN V HUNDLEY | 620 TAYLOR TRAIL MURPHY, TX 75094 | AFLAC | $4K | $244 | $4K | 3.12% |
| ANN K GRAVSETH3 | 4528 CEDARBRUSH DRIVE DALLAS, TX 75229 | AFLAC | $3K | $221 | $4K | 2.70% |
| GAY M HUNDLEY3 | 1416 GABLES COURT PLANO, TX 75075 | AFLAC | $3K | $92 | $3K | 2.37% |
| ADAM SHANE HUNDLEY3 | 620 TAYLOR TRAIL MURPHY, TX 75094 | AFLAC | $2K | $44 | $2K | 1.83% |
| JOHN DEE MAULDIN3 | 3209 PHAETON CT PLANO, TX 75023 | AFLAC | $2K | — | $2K | 1.40% |
| LINDA JANE NEVAREZ3 | 713 BETHANY LAKE BLVD ALLEN, TX 75002 | AFLAC | $2K | — | $2K | 1.28% |
| STACIE R PEARSON3 | 934 CHARLES RIVER CT ALLEN, TX 75013 | AFLAC | $818 | — | $818 | 0.61% |
| EDUARDO A REYNA3 | 1921 E HICKORY HILL RD ARGYLE, TX 76226 | AFLAC | $778 | — | $778 | 0.58% |
| TIFFANY KINDLE MILLER3 | 2291 HANNAH WAY N DUNEDIN, FL 34698 | AFLAC | $581 | — | $581 | 0.44% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY, LLC | 12222 MERIT DRIVE SUITE 1230 DALLAS, TX 75251 | DEARBORN NATIONAL LIFE INSURANCE COMPANY | $8K | — | $8K | 15.04% |
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 | 221 | 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) | 221 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUECROSS BLUESHIELD OF TEXAS | 256 | $1.5M |
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 219 | $153K |
| Vision | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 219 | $153K |
| Life insurance | DEARBORN NATIONAL LIFE INSURANCE COMPANY | 221 | $52K |
| Long-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 219 | $153K |
| Prescription drug | BLUECROSS BLUESHIELD OF TEXAS | 256 | $1.5M |
| Other(2 contracts, 2 carriers) | AFLAC | 221 | $185K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 256 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.