| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| K&S INSURANCE AGENCY3 Filed as: K & S INSURANCE AGENCY | 2255 RIDGE RD #333 ROCKWALL, TX 75087 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $30K | $0 | $30K | 8.64% |
| WHITE HILL PLAZA INC3 | 2255 RIDGE RD STE 333 PO BOX 277 ROCKWALL, TX 75087 | METROPOLITAN LIFE INSURANCE COMPANY | $10K | $0 | $10K | 11.58% |
| MARSH & MCLENNAN AGENCY LLC3 | 8144 WALNUT HILL LANE DALLAS, TX 75231 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $74 | $74 | 0.08% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY, LLC | 8144 WALNUT HILL LANE 16TH FLOOR DALLAS, TX 75231 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $675 | $13 | $688 | 4.47% |
| DEACON CHARLES KAVANAUGH3 | 6336 HILL CREEK DR THE COLONY, TX 75056 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $344 | $12 | $356 | 2.31% |
| MICHELE E MARTIN3 | 5717 HEADQUARTERS DRIVE PLANO, TX 75024 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $250 | $43 | $293 | 1.90% |
| MPART BENEFITS INC3 Filed as: MPART BENEFITS INC. | 4621 GLEN HEATHER DRIVE FRISCO, TX 75034 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $83 | $18 | $101 | 0.66% |
| BRIAN COHEN3 | 701 LEORA LANE THE COLONY, TX 75056 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $50 | $1 | $51 | 0.33% |
| RUBEN D PEREZ3 | 6352 ALCORN AVE DALLAS, TX 75217 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $29 | $2 | $31 | 0.20% |
| WHITE HILL PLAZA INC3 | 2255 RIDGE RD #333 PO BOX 277 ROCKWALL, TX 75087 | SAFEGUARD HEALTH PLANS, INC., A TEXAS CORPORATION | $544 | $0 | $544 | 9.84% |
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 | 155 | 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) | 155 | 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 | 117 | $356K |
| Dental(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 265 | $93K |
| Vision | METROPOLITAN LIFE INSURANCE COMPANY | 265 | $88K |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 265 | $88K |
| Short-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 265 | $88K |
| Long-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 265 | $88K |
| Prescription drug | BLUE CROSS BLUE SHIELD OF ALABAMA | 2 | $3K |
| Other(3 contracts, 3 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 265 | $106K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 265 | — |
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.