| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY, LLC | 8144 WALNUT HILL LANE SUITE 1600 DALLAS, TN 75231 | BLUECROSS BLUESHIELD OF TEXAS | $56K | — | $56K | 2.48% |
| MC & H LIFE AGENCY INC3 Filed as: MC&H LIFE AGENCY, INC. | 8144 WALNUT HILL LANE SUITE 1600 DALLAS, TX 75231 | BLUECROSS BLUESHIELD OF TEXAS | $16K | $2K | $19K | 0.82% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY, LLC | 8144 WALNUT HILL LANE SUITE 1600 DALLAS, TX 752314337 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $15K | $933 | $16K | 13.48% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MHBT, INC. | 8144 WALNUT HILL LANE SUITE 1600 DALLAS, TN 752314337 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $3K | — | $3K | 2.32% |
| MC & H LIFE AGENCY INC3 Filed as: MC&H LIFE AGENCY | 8144 WALNUT HILL LANE SUITE 1600 DALLAS, TX 75231 | UNITED HEALTHCARE INSURANCE COMPANY | $2K | — | $2K | 8.13% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY, LLC | 8144 WALNUT HILL LANE SUITE 1600 DALLAS, TX 75231 | UNITED HEALTHCARE INSURANCE COMPANY | $1K | — | $1K | 4.76% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| UNITED OF OMAHA LIFE INSURANCE CO. CONTRACT ADMINISTRATOR | Contract Administrator Service code 13 | 3300 MUTUAL OF OMAHA PLAZA OMAHA, NE 68175 | $9K |
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 | 553 | 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) | 553 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | BLUECROSS BLUESHIELD OF TEXAS | 553 | $2.3M |
| Dental | BLUECROSS BLUESHIELD OF TEXAS | 553 | $2.3M |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 256 | $117K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 256 | $117K |
| Stop-loss / reinsurancereinsurance | BLUECROSS BLUESHIELD OF TEXAS | 553 | $2.3M |
| Other | UNITED OF OMAHA LIFE INSURANCE COMPANY | 256 | $117K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 553 | — |
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."
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
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.