| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 | 8144 WALNUT HILL LANE DALLAS, TX 75231 | HEALTH CARE SERVICE CORPORATION | $44K | — | $44K | 3.98% |
| MC & H LIFE AGENCY INC3 | 8144 WALNUT HILL LANE DALLAS, TX 75231 | HEALTH CARE SERVICE CORPORATION | $5K | $2K | $7K | 0.62% |
| MARSH & MCLENNAN AGENCY LLC3 | 8144 WALNUT HILL LANE DALLAS, TX 75231 | METROPOLITAN LIFE INSURANCE COMPANY | $24K | $38 | $24K | 11.75% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN | 250 PEHLE AVE, STE 400 PARK 80 PLAZA 2 SADDLE BROOK, NJ 07663 | METROPOLITAN LIFE INSURANCE COMPANY | — | $2K | $2K | 1.06% |
| MC & H LIFE AGENCY INC3 | 8144 WALNUT HILL LANE DALLAS, TX 75231 | METROPOLITAN LIFE INSURANCE COMPANY | $289 | $17 | $306 | 0.15% |
| MC & H LIFE AGENCY INC3 | 8144 WALNUT HILL LANE DALLAS, TX 75231 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $583 | — | $583 | 4.68% |
| MARSH & MCLENNAN AGENCY LLC3 | 8144 WALNUT HILL LANE DALLAS, TX 75231 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $281 | — | $281 | 2.25% |
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 | 218 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 3 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 221 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HEALTH CARE SERVICE CORPORATION | 156 | $1.1M |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 302 | $205K |
| Vision | FIDELITY SECURITY LIFE INSURANCE COMPANY | 240 | $12K |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 302 | $205K |
| Short-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 302 | $205K |
| Long-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 302 | $205K |
| Other | METROPOLITAN LIFE INSURANCE COMPANY | 302 | $205K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 302 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.