| 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 16TH FLOOR DALLAS, TX 75231 | BCBSTX | $35K | — | $35K | 2.77% |
| MARSH & MCLENNAN AGENCY LLC3 | 8144 WALNUT HILL LN 15TH FLOOR DALLAS, TX 75231 | BCBSTX | $34K | — | $34K | 2.66% |
| MC & H LIFE AGENCY INC3 Filed as: MC&H LIFE AGENCY | 8144 WALNUT HILL LN 16TH FLOOR DALLAS, TX 75231 | SUN LIFE ASSURANCE COMPANY OF CANADA | $7K | — | $7K | 19.47% |
| FINANCIAL NECESSITIES NETWORK INC3 | 6702 DALROCK RD STE 136 ROWLETT, TX 75089 | SUN LIFE ASSURANCE COMPANY OF CANADA | $7K | — | $7K | 18.34% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNEN AGENCY LLC | 8144 WALNUT HILL LN 15TH FLOOR DALLAS, TX 75231 | SUN LIFE ASSURANCE COMPANY OF CANADA | $3K | — | $3K | 7.91% |
| MC & H LIFE AGENCY INC3 Filed as: MC&H LIFE AGENCY INC | 16TH FLOOR 8144 WALNUT HILL LN DALLAS, TX 75231 | HM LIFE INSURANCE COMPANY | $719 | — | $719 | 10.00% |
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 | 238 | 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) | 238 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BCBSTX | 238 | $1.3M |
| Dental | SUN LIFE ASSURANCE COMPANY OF CANADA | 126 | $37K |
| Vision | HM LIFE INSURANCE COMPANY | 102 | $7K |
| Life insurance | SUN LIFE ASSURANCE COMPANY OF CANADA | 126 | $37K |
| Other | SUN LIFE ASSURANCE COMPANY OF CANADA | 126 | $37K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 238 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.