| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MC & H LIFE AGENCY INC3 Filed as: MC&H LIFE AGENCY, INC. | 8144 WALNUT HILL LANE, 16TH FLOOR DALLAS, TX 75231 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | $101 | $69K | $69K | 3.74% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY | 8144 WALNUT HILL LANE, 16TH FLOOR DALLAS, TX 75231 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | $0 | $7K | $7K | 0.36% |
| MC & H LIFE AGENCY INC3 Filed as: MC&H LIFE AGENCY, INC. | 8144 WALNUT HILL LANE, FLOOR 16 DALLAS, TX 75231 | METROPOLITAN LIFE INSURANCE COMPANY | $9K | $468 | $10K | 9.49% |
| MARSH & MCLENNAN AGENCY LLC3 | 8144 WALNUT HILL LANE, FLOOR 16 DALLAS, TX 75231 | METROPOLITAN LIFE INSURANCE COMPANY | $2K | $38 | $2K | 2.39% |
| MC & H LIFE AGENCY INC3 Filed as: MC&H LIFE AGENCY INC. | 8144 WALNUT HILL LANE, FLOOR 16 DALLAS, TX 75231 | AMERICAN HERITAGE LIFE | $3K | $0 | $3K | 4.90% |
| KEVIN LEWIS3 | 3858 JOHNSON STREET FRISCO, TX 75034 | AMERICAN HERITAGE LIFE | $3K | $0 | $3K | 4.76% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MHBT INC. | 8144 WALNUT HILL LANE, FLOOR 16 DALLAS, TX 75231 | AMERICAN HERITAGE LIFE | $2K | $0 | $2K | 2.73% |
| DANIEL E JUND3 Filed as: DANIEL E. JUND | NATIONAL BENEFIT PARTNERS 23282 MILL CREEK DR, STE 390 LAGUNA HILLS, CA 92653 | AMERICAN HERITAGE LIFE | $171 | $0 | $171 | 0.28% |
| THOMAS E. BRANDA3 | 8000 RESEARCH FOREST DR STE 115-163 THE WOODLANDS, TX 77382 | AMERICAN HERITAGE LIFE | $79 | $0 | $79 | 0.13% |
| GARY NETHING3 | 19311 HARVEST STREAM WAY HOUSTON, TX 77084 | AMERICAN HERITAGE LIFE | $69 | $0 | $69 | 0.11% |
| ALFRED B. OSBURN3 | P.O. BOX 740 HALLETTSVILLE, TX 77964 | AMERICAN HERITAGE LIFE | $18 | $0 | $18 | 0.03% |
| MARSH & MCLENNAN AGENCY LLC3 | 8144 WALNUT HILL LANE, FLOOR 16 DALLAS, TX 75231 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $9K | $1K | $10K | 18.37% |
| MARSH & MCLENNAN AGENCY LLC3 | 8144 WALNUT HILL LANE, FLOOR 16 DALLAS, TX 75231 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $8K | $989 | $9K | 18.37% |
| MC & H LIFE AGENCY INC3 Filed as: MC&H LIFE AGENCY, INC. | 8144 WALNUT HILL LANE, FLOOR 116 DALLAS, TX 75231 | VISION SERVICE PLAN | $4K | $0 | $4K | 10.00% |
| MARSH & MCLENNAN AGENCY LLC3 | 8144 WALNUT HILL LANE, FLOOR 16 DALLAS, TX 75231 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $4K | $422 | $4K | 18.39% |
| MC & H LIFE AGENCY INC3 Filed as: MC&H LIFE AGENCY, INC. | 8144 WALNUT HILL LANE, FLOOR 16 DALLAS, TX 75231 | SAFEGUARD HEALTH PLANS, INC. | $2K | $80 | $2K | 9.39% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARCH & MCLENNAN AGENCY LLC | 8144 WALNUT HILL LANE, FLOOR 16 DALLAS, TX 75231 | SAFEGUARD HEALTH PLANS, INC. | $425 | $0 | $425 | 2.37% |
| MC & H LIFE AGENCY INC3 Filed as: MC&H LIFE AGENCY, INC. | 8144 WALNUT HILL LANE, FLOOR 16 DALLAS, TX 75231 | FIDELITY SECURITY LIFE | $1K | $0 | $1K | 7.50% |
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 | 343 | 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) | 343 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 280 | $1.9M |
| Dental(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 459 | $121K |
| Vision | VISION SERVICE PLAN | 239 | $37K |
| Life insurance(3 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 337 | $125K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 242 | $22K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 337 | $52K |
| Other(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 337 | $108K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 459 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.