| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MC & H LIFE AGENCY INC3 Filed as: MC & H LIFE AGENCY, INC | 8144 WALNUT HILL LN STE 1600 DALLAS, TX 752314337 | UNITEDHEALTHCARE INSURANCE COMPANY | — | $169K | $169K | 6.24% |
| MARSH & MCLENNAN AGENCY LLC3 | 8144 WALNUT HILL LANE, SUITE 1600 DALLAS, TX 75231 | UNITEDHEALTHCARE INSURANCE COMPANY | — | $15K | $15K | 0.55% |
| MARSH & MCLENNAN AGENCY LLC3 | 8144 WALNUT HILL LN, SUITE 1600 DALLAS, TX 75231 | AETNA LIFE INSURANCE CO. | $8K | — | $8K | 6.22% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MHBT INC | 8144 WALNUT HILL LANE, SUITE 1600 DALLAS, TX 75231 | AETNA LIFE INSURANCE CO. | $5K | — | $5K | 4.08% |
| MC & H LIFE AGENCY INC3 Filed as: MC&H LIFE AGENCY INC | 8144 WALNUT HILL LN, SUITE 1600 DALLAS, TX 75231 | AETNA LIFE INSURANCE CO. | — | $3K | $3K | 2.51% |
| MARSH & MCLENNAN AGENCY LLC3 | 8144 WALNUT HILL LN, SUITE 1600 DALLAS, TX 75231 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $9K | $7K | $16K | 13.49% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MHBT INC | 8144 WALNUT HILL LN, SUITE 1600 DALLAS, TX 75231 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $6K | — | $6K | 5.32% |
| HIGGINBOTHAM INS AGENCY INC3 Filed as: HIGGINBOTHAM & ASSOCIATES | 500 WEST 13TH STREET FORT WORTH, TX 76102 | NORTH AMERICAN CAPACITY INSURANCE | $9K | — | $9K | 12.50% |
| COMBINED INDEPENDENT AGENCIES3 Filed as: COMBINED GROUP INSURANCE SVCS INC. | 14785 PRESTON ROAD, SUITE 350 DALLAS, TX 75254 | NORTH AMERICAN CAPACITY INSURANCE | $6K | $2K | $8K | 10.93% |
| CROWN RISK MANAGEMENT, LLC3 Filed as: ANCHOR RISK MANAGEMENT | 14785 PRESTON ROAD, SUITE 350 DALLAS, TX 75254 | NORTH AMERICAN CAPACITY INSURANCE | — | $1K | $1K | 1.33% |
| ANCHOR CLAIMS MANAGEMENT3 | 14785 PRESTON ROAD, SUITE 350 DALLAS, TX 75254 | NORTH AMERICAN CAPACITY INSURANCE | — | $1K | $1K | 1.33% |
| MARSH & MCLENNAN AGENCY LLC3 | 8144 WALNUT HILL LN STE 1600 DALLAS, TX 75261 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $1K | $15 | $1K | 3.21% |
| C2 CENTRIC LLC3 | PO BOX 6824 GRAND RAPIDS, MI 49516 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | — | $7 | $7 | 0.02% |
| MC & H LIFE AGENCY INC3 Filed as: MC&H LIFE AGENCY | 8144 WALNUT HILL LN, SUITE 1600 DALLAS, TX 75231 | EYEMED VISION CARE | $2K | — | $2K | 8.66% |
| MARSH & MCLENNAN AGENCY LLC3 | 8144 WALNUT HILL LN, SUITE 1600 DALLAS, TX 75231 | EYEMED VISION CARE | $184 | — | $184 | 0.87% |
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 | 223 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 223 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 516 | $2.7M |
| Dental | AETNA LIFE INSURANCE CO. | 527 | $133K |
| Vision | EYEMED VISION CARE | 517 | $21K |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 685 | $120K |
| Short-term disability(2 contracts, 2 carriers) | NORTH AMERICAN CAPACITY INSURANCE | 175 | $116K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 685 | $120K |
| Other(2 contracts, 2 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 685 | $161K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 685 | — |
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.