| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH USA INC. | 2727 ALLEN PARKWAY HOUSTON, TX 77019 | AETNA LIFE INSURANCE COMPANY | $9K | — | $9K | 0.33% |
| MARSH & MCLENNAN AGENCY LLC3 | 80 WEST PLAZA 2 SADDLE BROOK, NJ 07663 | AETNA LIFE INSURANCE COMPANY | $2K | — | $2K | 0.08% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH USA INC. | 2929 ALLEN PARKWAY SUITE 2500 HOUSTON, TX 77019 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $9K | $741 | $10K | 17.75% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH USA INC. | 2929 ALLEN PARKWAY SUITE 2500 HOUSTON, TX 77019 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $6K | $464 | $6K | 17.93% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH WORTHAM - HOUSTON | PO BOX 1388 HOUSTON, TX 772511388 | EYEMED VISION CARE | $3K | — | $3K | 10.87% |
| WORTHAM SAN ANTONIO INC3 Filed as: JOHN L. WORTHAM & SON, L.P. | P. O. BOX 301598 DALLAS, TX 75303 | EYEMED VISION CARE | $978 | — | $978 | 3.62% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH USA INC | 2929 ALLEN PARKWAY SUITE 2500 HOUSTON, TX 77019 | DEARBORN LIFE INSURANCE COMPANY | $57 | $15 | $72 | 12.65% |
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 | 381 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 3 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 384 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | AETNA LIFE INSURANCE COMPANY | 513 | $2.8M |
| Dental | AETNA LIFE INSURANCE COMPANY | 513 | $2.8M |
| Vision | EYEMED VISION CARE | 489 | $27K |
| Life insurance(2 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 161 | $34K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 109 | $54K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 109 | $54K |
| Other(2 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 161 | $34K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 513 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.