| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH USA INC - WORTHAM HOUSTON | 2727 ALLEN PKWY HOUSTON, TX 77019 | UNITEDHEALTH INSURANCE COMPANY | $0 | $78K | $78K | 3.24% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: WORTHAM, MARSH MCLENNAN AGCY HOUSTO | 2727 ALLEN PKWY HOUSTON, TX 77019 | UNITEDHEALTH INSURANCE COMPANY | $0 | $49K | $49K | 2.02% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH WORTHAM, MARSH USA INC. | PO BOX 30158 DALLAS, TX 753031598 | PRINCIPAL LIFE INSURANCE COMPANY | $39K | — | $39K | 12.60% |
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 | 251 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 252 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTH INSURANCE COMPANY | 503 | $2.4M |
| Dental | PRINCIPAL LIFE INSURANCE COMPANY | 589 | $311K |
| Vision | PRINCIPAL LIFE INSURANCE COMPANY | 589 | $311K |
| Life insurance | PRINCIPAL LIFE INSURANCE COMPANY | 589 | $311K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 589 | — |
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.
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.