| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GROUP & PENSION ADMINISTRATORS INC3 | 12770 MERIT DRIVE 2ND FLOOR DALLAS, TX 75251 | SUN LIFE ASSURANCE COMPANY OF CANADA | — | $10K | $10K | 1.78% |
| MC & H LIFE AGENCY INC3 | 301 CONGRESS AVENUE SUITE 1000 AUSTIN, TX 78701 | SUN LIFE ASSURANCE COMPANY OF CANADA | $7K | — | $7K | 1.36% |
| C2 CENTRIC LLC3 | PO BOX 6824 GRAND RAPIDS, MI 49516 | SUN LIFE ASSURANCE COMPANY OF CANADA | $6K | — | $6K | 1.07% |
| MC & H LIFE AGENCY INC3 | 8144 WALNUT HILL LANE 16TH FLOOR DALLAS, TX 75231 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $7K | — | $7K | 4.75% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY | 8144 WALNUT HILL LANE 16TH FLOOR DALLAS, TX 75231 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $5K | — | $5K | 3.43% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY, LLC | 12222 MERIT DRIVE #1230 DALLAS, TX 75251 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $3K | — | $3K | 1.71% |
| MARSH & MCLENNAN AGENCY LLC3 | 8144 WALNUT HILL LANE 16TH FLOOR DALLAS, TX 75231 | SUN LIFE ASSURANCE COMPANY OF CANADA | $5K | — | $5K | 15.00% |
| MC & H LIFE AGENCY INC3 Filed as: MC & H LIFE AGENCY, INC | 8144 WALNUT HILL LANE 16TH FLOOR DALLAS, TX 75231 | VISION SERVICE PLAN | $1K | — | $1K | 3.18% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLELLAN AGENCY LLC | 8144 WALNUT HILL LANE 16TH FLOOR DALLAS, TX 75231 | VISION SERVICE PLAN | $417 | — | $417 | 1.32% |
| GPA3 | 12770 MERIT DRIVE DALLAS, TX 75251 | AIG | $3K | — | $3K | 10.00% |
| REED HEADLEY SCHNITTKER3 | 2400 DALLAS PARKWAY SUITE 260 PLANO, TX 75093 | STANDARD INSURANCE COMPANY | $4K | — | $4K | 44.55% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MHBT | 8144 WALNUT HILL LANE SUITE 1600 DALLAS, TX 75231 | STANDARD INSURANCE COMPANY | $3K | — | $3K | 39.24% |
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 | 206 | 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) | 206 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 211 | $155K |
| Vision | VISION SERVICE PLAN | 202 | $32K |
| Life insurance | SUN LIFE ASSURANCE COMPANY OF CANADA | 206 | $34K |
| Short-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 206 | $34K |
| Long-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 206 | $34K |
| Stop-loss / reinsurancereinsurance | SUN LIFE ASSURANCE COMPANY OF CANADA | 168 | $542K |
| Other(4 contracts, 4 carriers) | SUN LIFE ASSURANCE COMPANY OF CANADA | 217 | $76K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 217 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.