| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| 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 | $85K | $85K | 4.17% |
| 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 | $0 | -$28 | -$28 | -0.00% |
| MARSH & MCLENNAN AGENCY LLC3 | 2500 CITYWEST BLVD, STE 2400 HOUSTON, TX 77042 | METROPOLITAN LIFE INSURANCE COMPANY | $27K | $40 | $27K | 11.51% |
| 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 | $8K | $0 | $8K | 3.19% |
| MARSH & MCLENNAN AGENCY LLC3 | 250 PEHLE AVE, STE 400 PARK 80, PLAZA 2 SADDLE BROOK, NJ 07663 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $3K | $3K | 1.16% |
| MARSH & MCLENNAN AGENCY LLC3 | 8144 WALNUT HILL LANE, FLOOR 16 DALLAS, TX 75231 | VISION SERVICE PLAN | $3K | $0 | $3K | 8.29% |
| MC & H LIFE AGENCY INC3 Filed as: MC&H LIFE AGENCY, INC. | 8144 WALNUT HILL LANE, FLOOR 16 DALLAS, TX 75231 | VISION SERVICE PLAN | $632 | $0 | $632 | 1.71% |
| 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% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARCH & MCLENNAN AGENCY LLC | 8144 WALNUT HILL LANE, FLOOR 16 DALLAS, TX 75231 | SAFEGUARD HEALTH PLANS, INC. | $2K | $0 | $2K | 10.27% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARCH & MCLENNAN AGENCY LLC | 250 PEHLE AVE, STE 400 PARK 80, PLAZA 2 SADDLE BROOK, NJ 07663 | SAFEGUARD HEALTH PLANS, INC. | $0 | $186 | $186 | 1.11% |
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 | 305 | 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) | 305 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 270 | $2.0M |
| Dental(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 596 | $253K |
| Vision | VISION SERVICE PLAN | 209 | $37K |
| Life insurance(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 596 | $255K |
| Short-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 596 | $237K |
| Long-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 596 | $237K |
| Other | METROPOLITAN LIFE INSURANCE COMPANY | 596 | $237K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 596 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.