| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY, LLC | 2500 CITY WEST BLVD. SUITE 2400 HOUSTON, TX 77042 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $164K | $159K | $323K | 3.90% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: TRION INC, MARSH & MCLENNAN AGENCY | PO BOX 301598 DALLAS, TX 75303 | SUN LIFE ASSURANCE COMPANY OF CANADA | — | $200K | $200K | 3.12% |
| MARSH & MCLENNAN AGENCY LLC3 | PO BOX 350 CONSHOHOCKEN, PA 19428 | SUN LIFE ASSURANCE COMPANY OF CANADA | $176K | — | $176K | 2.75% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH WORTHAM - HOUSTON | PO BOX 301598 DALLAS, TX 75303 | EYEMED VISION CARE FOR FIDELITY SECURITY LIFE INSURANCE COMPANY | $75K | — | $75K | 2.27% |
| REUBEN WARNER ASSOCIATES, INC.3 Filed as: REUBEN WARNER ASSOCS INC | 1655 RICHMOND AVE STATEN ISLAND, NY 10314 | ZURICH AMERICAN INSURANCE COMPANY | $118K | $39K | $157K | 20.00% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH WORTHAM | 2500 CITY WEST BLVD, SUITE 2400 HOUSTON, TX 77042 | ZURICH AMERICAN INSURANCE COMPANY | $118K | — | $118K | 15.00% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: WORTHAM, MARSH MCLENNAN AGENCY | 2500 CITY WEST BLVD. STE 2400 HOUSTON, TX 77042 | UNITEDHEALTHCARE INSURANCE COMPANY | $56K | — | $56K | 9.21% |
| NFP INSURANCE SERVICES INC3 Filed as: MANAGEMENT COMPENSATION GROUP | 40 WALL ST. STE. 1304 NEW YORK, NY 10005 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $30K | $6K | $36K | 11.71% |
| MARSH & MCLENNAN AGENCY LLC3 | 6166 RETAIL RD. DALLAS, TN 75231 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $15K | — | $15K | 4.78% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP INSURANCE SERVICES, INC. | 1250 CAPITAL OF TEXAS HWY BLDG 2 STE 125 AUSTIN, TX 78746 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | — | $11K | $11K | 3.67% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY, LLC | 2500 CITY WEST BLVD. SUITE 2400 HOUSTON, TX 77042 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $8K | $1K | $10K | 3.17% |
| NFP INSURANCE SERVICES INC3 Filed as: MANAGEMENT COMPENSATION GROUP | 55 BROADWAY SUITE 701 NEW YORK, NY 10006 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | — | $7K | $7K | 2.28% |
| REUBEN WARNER ASSOCIATES, INC.3 Filed as: REUBEN WARNER ASSOCS INC | 1655 RICHMOND AVE STATEN ISLAND, NY 10314 | ZURICH AMERICAN INSURANCE COMPANY | $45K | $15K | $61K | 20.00% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH WORTHAM INSURANCE | 2500 CITY WEST BLVD, SUITE 2400 HOUSTON, TX 77042 | ZURICH AMERICAN INSURANCE COMPANY | $45K | — | $45K | 15.00% |
| WORTHAM SAN ANTONIO INC3 Filed as: WORTHAM INSURANCE & RISK MANAGEMENT | PO BOX 301598 DALLAS, TX 75303 | LEGAL ACCESS CONSULTING, LLC | — | $2K | $2K | 1.00% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH USA, INC. | 2500 CITY WEST BLVD. SUITE 2400 HOUSTON, TX 77042 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $8K | $7K | $14K | 12.27% |
| NFP INSURANCE SERVICES INC3 Filed as: MANAGEMENT COMPENSATION GROUP | 55 BROADWAY SUITE 701 NEW YORK, NY 10006 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | — | $13K | $13K | 11.28% |
| NFP INSURANCE SERVICES INC3 Filed as: MANAGEMENT COMPENSATION GROUP | 40 WALL ST. STE 1304 NEW YORK, NY 10005 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $9K | $1K | $11K | 9.23% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP INSURANCE SERVICES | 1250 CAPITAL OF TEXAS HWY BLDG 2 STE 125 AUSTIN, TX 78746 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | — | $1K | $1K | 1.01% |
| MARSH & MCLENNAN AGENCY LLC3 | 6166 RETAIL RD. DALLAS, TX 75231 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $38 | — | $38 | 0.03% |
| REUBEN WARNER ASSOCIATES, INC.3 Filed as: REUBEN WARNER ASSOCS | 1655 RICHMOND AVE STATEN ISLAND, NY 10314 | FEDERAL INSURANCE COMPANY | $8K | — | $8K | 20.00% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH | 2500 CITY WEST BLVD. SUITE 2400 HOUSTON, TX 77042 | FEDERAL INSURANCE COMPANY | $6K | — | $6K | 15.00% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY, LLC | — | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $1K | — | $1K | 10.00% |
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 | 12,077 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 75 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 12,152 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | UNITEDHEALTHCARE INSURANCE COMPANY | 102 | $620K |
| Vision | EYEMED VISION CARE FOR FIDELITY SECURITY LIFE INSURANCE COMPANY | 16,685 | $3.3M |
| Life insurance | UNUM LIFE INSURANCE COMPANY OF AMERICA | 12,077 | $8.3M |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 1,609 | $261K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 12,077 | $8.3M |
| Stop-loss / reinsurancereinsurance | SUN LIFE ASSURANCE COMPANY OF CANADA | 10,805 | $6.4M |
| Other(7 contracts, 5 carriers) | ZURICH AMERICAN INSURANCE COMPANY | 1,816 | $1.8M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 16,685 | — |
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.