| 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 75231 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $114K | $0 | $114K | 10.01% |
| MARSH & MCLENNAN AGENCY LLC3 | 8144 WALNUT HILL LANE, 16TH FLOOR DALLAS, TX 75231 | GUARDIAN | $52K | $18K | $70K | 7.67% |
| HODGES-MACE BENEFITS GRP INC3 Filed as: HODGES-MACE BENEFITS GROUP | 5775 E. GLENRIDGE DRIVE, STE 500 ATLANTA, GA 30328 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $18K | $2K | $20K | 14.52% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARCH & MCLENNAN AGENCY | 8144 WALNUT HILL LANE, STE 1600 DALLAS, TX 75231 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $5K | $294 | $5K | 3.90% |
| HODGES-MACE BENEFITS GRP INC3 Filed as: HODGES-MACE BENEFITS GROUP | 5775 E. GLENRIDGE DRIVE, STE 500 ATLANTA, GA 30328 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $6K | -$80 | $6K | 15.45% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY | 8144 WALNUT HILL LANE, STE 1600 DALLAS, TX 75231 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $2K | -$13 | $2K | 4.38% |
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 | 706 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 6 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 712 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance(2 contracts, 2 carriers) | GUARDIAN | 707 | $947K |
| Short-term disability | GUARDIAN | 707 | $908K |
| Long-term disability | GUARDIAN | 707 | $908K |
| Stop-loss / reinsurancereinsurance | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 1,612 | $1.1M |
| Other(5 contracts, 5 carriers) | GUARDIAN | 718 | $1.1M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,612 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.