| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| WORTHAM SAN ANTONIO INC3 Filed as: JOHN L WORTHAM & SON, LP, DBA WORTH | P.O. BOX 301598 DALLAS, TX 75303 | HYATT LEGAL PLANS | $53K | $0 | $53K | 8.09% |
| WORTHAM SAN ANTONIO INC3 Filed as: JOHN L. WORTHAM & SON, L.P. | P.O. BOX 203919 HOUSTON, TX 77216 | HYATT LEGAL PLANS | $0 | $21K | $21K | 3.19% |
| AON CONSULTING INC3 | 1100 REYNOLDS BLVD WINSTON SALEM, TX 27105 | HYATT LEGAL PLANS | $0 | $88 | $88 | 0.01% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: TRION GROUP A MARSH & MCCLENNAN AGE | 2300 RENAISSANCE BLVD KING OF PRUSSIA, PA 194062772 | METROPOLITAN LIFE INSURANCE COMPANY | — | $2K | $2K | 0.31% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: TRION GROUP A MARSH & MCLENNAN AGEN | 2300 RENAISSANCE BLVD KING OF PRUSSIA, PA 194062772 | METROPOLITAN LIFE INSURANCE COMPANY | — | $1K | $1K | 0.31% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| AETNA LIFE INSURANCE COMPANY EIN 06-6033492 N/A | Contract Administrator; Recordkeeping and information management (computing, tabulating, data processing, etc.); Direct payment from the plan; Claims processing Service code 12 | — | $6.8M |
| STAYWELL HEALTH MANAGEMENT EIN 13-2890345 N/A | Direct payment from the plan; Contract Administrator Service code 13 | — | $4.0M |
| CIGNA HEALTH AND LIFE INSURANCE EIN 59-1031071 N/A | Direct payment from the plan; Contract Administrator; Claims processing; Recordkeeping and information management (computing, tabulating, data processing, etc.) Service code 12 | — | $707K |
| KEPRO ACQUISITIONS EIN 25-1796254 N/A | Direct payment from the plan; Contract Administrator Service code 13 | — | $315K |
| HEALTH CARE SERVICE CORPORATION EIN 36-1236610 N/A | Recordkeeping and information management (computing, tabulating, data processing, etc.); Contract Administrator; Direct payment from the plan; Claims processing Service code 12 | — | $310K |
| EXPRESS SCRIPTS EIN 43-1420563 N/A | Contract Administrator; Direct payment from the plan; Claims processing; Recordkeeping and information management (computing, tabulating, data processing, etc.) Service code 12 | — | $308K |
| LIFE INSURANCE CO. OF NORTH AMERICA EIN 23-1503749 N/A | Contract Administrator; Direct payment from the plan; Claims processing; Recordkeeping and information management (computing, tabulating, data processing, etc.) Service code 12 | — | $164K |
| PAYFLEX SYSTEMS USA EIN 91-1774434 N/A | Claims processing; Contract Administrator; Recordkeeping and information management (computing, tabulating, data processing, etc.); Direct payment from the plan Service code 12 | — | $77K |
| JPMORGAN CHASE BANK, N.A. | Other investment fees and expenses Service code 72 | — | $23K |
| JPMORGAN CHASE BANK N.A. EIN 13-4994650 N/A | Trustee (directed); Other investment fees and expenses; Float revenue; Direct payment from the plan; Trustee (bank, trust company, or similar financial institution) Service code 21 | — | $11K |
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 | 13,904 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 632 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 14,536 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | BLUE CROSS AND BLUE SHIELD OF ALABAMA | 81 | $512K |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 1,354 | $379K |
| Vision(2 contracts, 2 carriers) | VISION SERVICE PLAN | 11,553 | $2.9M |
| Life insurance(2 contracts) | METROPOLITAN LIFE INSURANCE COMPANY | 15,388 | $14.5M |
| Short-term disability(2 contracts) | METROPOLITAN LIFE INSURANCE COMPANY | 13,805 | $978K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 13,950 | $6.8M |
| Prescription drug(2 contracts, 2 carriers) | BLUE CROSS AND BLUE SHIELD OF ALABAMA | 81 | $512K |
| Other(6 contracts, 5 carriers) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 14,266 | $3.0M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 15,388 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker comp is under 1% of premium on a >$1M plan. Plan may be flying solo or paying a flat fee — consultant sales target.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.