| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| K&S INSURANCE AGENCY3 | 2255 RIDGE RD SUITE333 ROCKWALL, TX 75087 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $39K | $0 | $39K | 9.78% |
| WHITE HILL PLAZA INC3 | 2255 RIDGE RD STE 333 PO BOX 277 ROCKWALL, TX 75087 | METROPOLITAN LIFE INSURANCE COMPANY | $12K | $0 | $12K | 11.71% |
| MPART BENEFITS INC3 Filed as: MPART BENEFITS INC. | 4621 GLEN HEATHER DRIVE FRISCO, TX 75034 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2K | $365 | $3K | 17.55% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY, LLC | 8144 WALNUT HILL LANE 16TH FLOOR DALLAS, TX 75231 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1K | $86 | $1K | 7.43% |
| DEACON CHARLES KAVANAUGH3 | 6336 HILL CREEK DR THE COLONY, TX 75056 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $761 | $141 | $902 | 5.69% |
| MICHELE E MARTIN3 | 5717 HEADQUARTERS DRIVE PLANO, TX 75024 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $376 | $80 | $456 | 2.88% |
| RUBEN D PEREZ3 | 6352 ALCORN AVE DALLAS, TX 75217 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $28 | $0 | $28 | 0.18% |
| BRIAN COHEN3 | 701 LEORA LANE THE COLONY, TX 75056 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $24 | $0 | $24 | 0.15% |
| WHITE HILL PLAZA INC3 | 2255 RIDGE RD #333 PO BOX 277 ROCKWALL, TX 75087 | SAFEGUARD HEALTH PLANS, INC., A TEXAS CORPORATION | $610 | $0 | $610 | 9.91% |
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 | 159 | 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) | 159 | 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 | $409K |
| Dental(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 610 | $113K |
| Vision | METROPOLITAN LIFE INSURANCE COMPANY | 306 | $107K |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 306 | $107K |
| Short-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 306 | $107K |
| Long-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 306 | $107K |
| Prescription drug | BLUE CROSS BLUE SHIELD OF ALABAMA | 9 | $14K |
| Other(3 contracts, 3 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 306 | $136K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 610 | — |
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.