| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MC & H LIFE AGENCY INC3 | 8144 WALNUT HILL LANE 16TH FLOOR DALLAS, TX 75231 | BLUECROSS BLUESHIELD OF TEXAS | $112K | $2K | $114K | 4.46% |
| MC & H LIFE AGENCY INC3 | 8144 WALNUT HILL LANE SUITE 1600 DALLAS, TX 75231 | KAISER FOUNDATION HEALTH PLAN INC | $12K | — | $12K | 6.91% |
| MARSH & MCLENNAN AGENCY LLC3 | 2500 CITYWEST BLVD STE 2400 HOUSTON, TX 77042 | METROPOLITAN LIFE INSURANCE COMPANY | $13K | $40 | $13K | 9.96% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN | 250 PEHLE AVE STE 400 PARK 80 PLAZA 2 SADDLEBROOK, NJ 07663 | METROPOLITAN LIFE INSURANCE COMPANY | — | $1K | $1K | 1.08% |
| MARSH & MCLENNAN AGENCY LLC3 | 2500 CITY WEST BLVD STE 240 HOUSTON, TX 77042 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $10K | $5K | $15K | 22.16% |
| MARSH & MCLENNAN AGENCY LLC3 | 2500 CITY WEST BLVD STE 240 HOUSTON, TN 77042 | UNITED OF OMAHA INSURANCE COMPANY | $10K | $4K | $14K | 21.56% |
| MARSH & MCLENNAN AGENCY LLC3 | 8144 WALNUT HILL LANE SUITE 1600 DALLAS, TX 75231 | UNUM LIFE INSURANCE COMPNY OF AMERICA | $8K | $8 | $8K | 19.20% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY INC | 2500 CITY WEST BLVD STE 240 HOUSTON, TX 77042 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $6K | $3K | $8K | 21.83% |
| MARSH & MCLENNAN AGENCY LLC3 | 8144 WALNUT HILL DALLAS, TX 75231 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $2K | — | $2K | 5.81% |
| MC & H LIFE AGENCY INC3 | 8144 WALNUT HILL LANE 16TH FLOOR DALLAS, TX 75231 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $870 | — | $870 | 3.30% |
| MARSH & MCLENNAN AGENCY LLC3 | 2500 CITY WEST BLVD STE 240 HOUSTON, TX 77042 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $3K | $1K | $4K | 21.56% |
| MC & H LIFE AGENCY INC3 | 8144 WALNUT HILL LANE FLOOR 16 DALLAS, TX 75231 | SAFEGUARD HEALTH PLANS, INC., A TEXAS CORPORATION | $1K | — | $1K | 10.10% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN | 250 PEHLE AVE STE 400 PARK 80 PLAZA 2 SADDLEBROOK, NJ 07663 | SAFEGUARD HEALTH PLANS, INC., A TEXAS CORPORATION | — | $163 | $163 | 1.10% |
| MC & H LIFE AGENCY INC-DALLAS3 | 8144 WALNUT HILL LANE SUITE 1600 DALLAS, TX 75231 | HUMANA EMPLOYERS HEALTH PLAN OF GEORGIA, INC | $35 | — | $35 | 2.88% |
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 | 317 | 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) | 317 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 3 carriers) | BLUECROSS BLUESHIELD OF TEXAS | 401 | $2.7M |
| Dental(3 contracts, 3 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 148 | $145K |
| Vision | FIDELITY SECURITY LIFE INSURANCE COMPANY | 390 | $26K |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 317 | $17K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 196 | $39K |
| Long-term disability | UNITED OF OMAHA INSURANCE COMPANY | 317 | $65K |
| Other(4 contracts, 3 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 322 | $135K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 401 | — |
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.