| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH USA INC - WORTHAM HOUSTON | 2727 ALLEN PARKWAY HOUSTON, TX 77019 | UNITED HEALTHCARE INSURANCE COMPANY | $4K | $39K | $42K | 2.18% |
| WORTHAM SAN ANTONIO INC3 Filed as: JOHN L. WORTHAM & SON, LP | P.O. BOX 1388 HOUSTON, TX 77251 | UNITED HEALTHCARE INSURANCE COMPANY | $3K | $27K | $30K | 1.54% |
| WORTHAM SAN ANTONIO INC3 Filed as: JOHN L WORTHAM & SON LLP | P.O. BOX 1388 HOUSTON, TX 77251 | UNITED HEALTHCARE INSURANCE COMPANY | — | $5K | $5K | 0.26% |
| WORTHAM SAN ANTONIO INC3 Filed as: JOHN L. WORTHAM & SON LP | P.O. BOX 18433 SUGAR LAND, TX 77496 | UNITED HEALTCARE INSURANCE COMPANY | $9K | — | $9K | 9.56% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| INFINISOURCE EIN 38-2976613 N/A | Recordkeeping and information management (computing, tabulating, data processing, etc.); Insurance services; Contract Administrator; Claims processing Service code 12 | P.O. BOX 889 COLDWATER, MI 49036 | $9K |
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 | 226 | 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) | 229 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITED HEALTHCARE INSURANCE COMPANY | 365 | $1.9M |
| Life insurance | UNITED HEALTCARE INSURANCE COMPANY | 190 | $89K |
| Long-term disability | UNITED HEALTCARE INSURANCE COMPANY | 190 | $89K |
| Other | UNITED HEALTCARE INSURANCE COMPANY | 190 | $89K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 365 | — |
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."
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.