| 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 16TH FL DALLAS, TX 752314388 | RELIASTAR LIFE INSURANCE COMPANY | $90K | — | $90K | 10.00% |
| JERRY DUNCAN3 Filed as: JERRY L MCPETERS | GROUP AND PENSION ADMINISTRATORS 12770 MERIT DR FL 2 DALLAS, TX 752511209 | RELIASTAR LIFE INSURANCE COMPANY | $45K | $20K | $65K | 7.23% |
| MC & H LIFE AGENCY INC3 Filed as: MC & H LIFE AGENCY, INC. | 8144 WALNUT HILL LN 16TH FLOOR DALLAS, TX 75231 | RELIASTAR LIFE INSURANCE COMPANY | $90K | — | $90K | 10.00% |
| GPA3 | 12770 MERIT DRIVE DALLAS, TX 75251 | RELIASTAR LIFE INSURANCE COMPANY | $45K | $20K | $65K | 7.23% |
| MC & H LIFE AGENCY INC3 Filed as: MC & H LIFE AGENCY | 8144 WALNUT HILL LANE SUITE # 1600 DALLAS, TX 75231 | COMPANION LIFE INSURANCE COMPANY | $44K | — | $44K | 7.32% |
| MC & H LIFE AGENCY INC3 Filed as: MC & H LIFE AGENCY, INC. | 8144 WALNUT HILL LN STE 1600 DALLAS, TX 752314337 | AMERITAS LIFE INSURANCE CORP. | $46K | — | $46K | 8.92% |
| MARSH & MCLENNAN AGENCY LLC3 | 8144 WALNUT HILL LN FL 16 DALLAS, CA 752314388 | AMERITAS LIFE INSURANCE CORP. | $6K | — | $6K | 1.08% |
| MC & H LIFE AGENCY INC3 Filed as: MC & H LIFE AGENCY, INC. | 8144 WALNUT HILL LN FL 16 DALLAS, TX 752314388 | AMERITAS LIFE INSURANCE CORP. | — | $5K | $5K | 0.99% |
| MARSH & MCLENNAN AGENCY LLC3 | 8144 WALNUT HILL LN STE 1600 DALLAS, TX 75231 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $22K | $3K | $25K | 16.20% |
| MARSH & MCLENNAN AGENCY LLC3 | 8144 WALNUT HILL LN STE 1600 DALLAS, TX 75231 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $18K | $2K | $20K | 16.09% |
| GPA3 | 12770 MERIT DRIVE DALLAS, TX 75251 | US FIRE INSURANCE COMPANY | $6K | — | $6K | 10.00% |
| MARSH & MCLENNAN AGENCY LLC3 | 8144 WALNUT HILL LN STE 1600 DALLAS, TX 75231 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $3K | $394 | $4K | 15.98% |
| MARSH & MCLENNAN AGENCY LLC3 | 8144 WALNUT HILL LN STE 1600 DALLAS, TX 75231 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $3K | $388 | $4K | 16.13% |
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 | 532 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 2 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 534 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | COMPANION LIFE INSURANCE COMPANY | 473 | $607K |
| Dental | AMERITAS LIFE INSURANCE CORP. | 1,980 | $519K |
| Vision | AMERITAS LIFE INSURANCE CORP. | 1,980 | $519K |
| Life insurance | UNUM LIFE INSURANCE COMPANY OF AMERICA | 544 | $23K |
| Long-term disability(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 544 | $177K |
| Stop-loss / reinsurancereinsurance | RELIASTAR LIFE INSURANCE COMPANY | 568 | $896K |
| Other(4 contracts, 3 carriers) | RELIASTAR LIFE INSURANCE COMPANY | 568 | $1.1M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,980 | — |
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.