| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| 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 INSURANC COMPANY | $0 | $63K | $63K | 4.84% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY, LLC, PRESC | 12222 MERIT DR. #1230 DALLAS, TN 75251 | CIGNA HEALTH AND LIFE INSURANC COMPANY | $0 | $5K | $5K | 0.42% |
| MARSH & MCLENNAN AGENCY LLC3 | 8144 WALNUT HILL LANE 16TH FLOOR DALLAS, TX 75231 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $90K | $17K | $107K | 9.50% |
| LILJENWALL-KANE3 | 6836 AUSTIN CENTER BLVD #280 AUSTIN, TX 78731 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $432 | $0 | $432 | 0.04% |
| MARSH & MCLENNAN AGENCY LLC3 | 8144 WALNUT HILL LANE 16TH FLOOR DALLAS, TX 75231 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $21K | $0 | $21K | 14.87% |
| WORTHAM SAN ANTONIO INC3 Filed as: JOHN J MCGURRAN | 5235 RICHARD AVE DALLAS, TX 75204 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $139 | $0 | $139 | 0.10% |
| MC & H LIFE AGENCY INC3 Filed as: MC & H LIFE AGENCY | — | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $1K | $0 | $1K | 10.00% |
| MC & H LIFE AGENCY INC3 | — | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $333 | $0 | $333 | 5.00% |
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 | 996 | 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) | 996 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(4 contracts, 3 carriers) | CIGNA HEALTH AND LIFE INSURANC COMPANY | 61 | $1.5M |
| Dental(2 contracts, 2 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 1,011 | $1.1M |
| Vision | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 1,011 | $1.1M |
| Life insurance | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 87 | $143K |
| Short-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 87 | $143K |
| Long-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 87 | $143K |
| Prescription drug | BLUECROSS BLUESHIELD OF ALABAMA | 23 | $166K |
| Other(3 contracts, 3 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 90 | $155K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,011 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.