| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MC & H LIFE AGENCY INC3 | 8144 WALNUT HILL LN #16 DALLAS, TX 75231 | STANDARD INSURANCE COMPANY | $4K | — | $4K | 5.78% |
| MC & H LIFE AGENCY INC3 | 8144 WALNUT HILL LN #16 DALLAS, TX 75231 | STANDARD INSURANCE COMPANY | $5K | — | $5K | 7.38% |
| MARSH & MCLENNAN AGENCY LLC3 | 8144 WALNUT HILL LN STE 1600 DALLAS, TX 75231 | STANDARD INSURANCE COMPANY | $3K | — | $3K | 3.96% |
| MC & H LIFE AGENCY INC3 | 8144 WALNUT HILL LN #16 DALLAS, TX 75231 | STANDARD INSURANCE COMPANY | $2K | — | $2K | 5.82% |
| TOTAL BENEFIT SOLUTIONS3 | 7412 UNIVERSITY AVE, UNIT 1 LUBBOCK, TX 79423 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $3K | — | $3K | 10.88% |
| DENICE GAMES4 | 14563 W MANDALAY LN SURPRISE, AZ 85379 | PRE-PAID LEGAL SERVICES, INC. DBA LEGALSHIELD | $1K | — | $1K | 15.65% |
| BOMBA GROUP INC4 | PO BOX 2369 AZELE, TX 76098 | PRE-PAID LEGAL SERVICES, INC. DBA LEGALSHIELD | $12 | — | $12 | 0.17% |
| REX L HOGUE4 | 2112 WILLOW CT LITTLE ELM, TX 75068 | PRE-PAID LEGAL SERVICES, INC. DBA LEGALSHIELD | $9 | — | $9 | 0.13% |
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 | 567 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 8 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 575 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance | STANDARD INSURANCE COMPANY | 685 | $66K |
| Short-term disability | STANDARD INSURANCE COMPANY | 151 | $67K |
| Long-term disability | STANDARD INSURANCE COMPANY | 114 | $33K |
| Other(2 contracts, 2 carriers) | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 214 | $36K |
| 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.