| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH USA INC. | PO BOX 301598 DALLAS, TX 75303 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $103K | $91K | $193K | 3.42% |
| WORTHAM SAN ANTONIO INC3 Filed as: WORTHAM - FORT WORTH INC | PO BOX 301598 DALLAS, TX 75303 | BERKLEY LIFE AND HEALTH INSURANCE CO | $416K | — | $416K | 10.00% |
| WORTHAM SAN ANTONIO INC3 Filed as: JOHN L WORTHAM & SON LLP | PO BOX 301598 DALLAS, TX 75303 | EYEMED VISION CARE ON BEHALF OF FIDELITY SECURITY LIFE INSURANCE CO. | $31K | — | $31K | 2.64% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH WORTHAM | PO BOX 301598 DALLAS, TX 75303 | EYEMED VISION CARE ON BEHALF OF FIDELITY SECURITY LIFE INSURANCE CO. | $19K | — | $19K | 1.61% |
| WORTHAM SAN ANTONIO INC3 Filed as: JOHN L WORTHAM & SON LP | PO BOX 1388 HOUSTON, TX 772511388 | UNITEDHEALTHCARE INSURANCE COMPANY | $65K | — | $65K | 8.30% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH USA INC. - WORTHAM HOUSTON | 2727 ALLEN PARKWAY HOUSTON, TX 77019 | UNITEDHEALTHCARE INSURANCE COMPANY | $7K | — | $7K | 0.84% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH WORTHAM | 2727 ALLEN PKWY HOUSTON, TX 77019 | ZURICH AMERICAN INSURANCE COMPANY | $89K | — | $89K | 15.00% |
| REUBEN WARNER ASSOCIATES, INC.3 Filed as: REUBEN WARNER ASSOCS INC | 1655 RICHMOND AVE STATEN ISLAND, NY 10314 | ZURICH AMERICAN INSURANCE COMPANY | — | $89K | $89K | 15.00% |
| WORTHAM SAN ANTONIO INC3 Filed as: JOHN L WORTHAM & SON LLP | GROUP DEPT PO BOX 1388 HOUSTON, TX 77251 | CONTINENTAL CASUALTY COMPANY | $12K | — | $12K | 3.05% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH WORTHAM INSURANCE | 2727 ALLEN PKWY HOUSTON, TX 77019 | ZURICH AMERICAN INSURANCE COMPANY | $37K | — | $37K | 15.00% |
| REUBEN WARNER ASSOCIATES, INC.3 Filed as: REUBEN WARNER ASSOCS INC | 1655 RICHMOND AVE STATEN ISLAND, NY 10314 | ZURICH AMERICAN INSURANCE COMPANY | — | $37K | $37K | 15.00% |
| WORTHAM SAN ANTONIO INC3 Filed as: JOHN L WORTHAM & SON LP | PO BOX 301598 DALLAS, TX 75303 | GENWORTH LIFE INSURANCE COMPANY | $10K | — | $10K | 5.02% |
| WORTHAM SAN ANTONIO INC3 Filed as: WORTHAM INSURANCE & RISK MANAGEMENT | PO BOX 301598 DALLAS, TX 75303 | LEGAL ACCESS CONSULTING LLC | $10K | — | $10K | 10.00% |
| REUBEN WARNER ASSOCIATES, INC.3 Filed as: REUBEN WARNER ASSOCS | 1655 RICHMOND AVE STATEN ISLAND, NY 10314 | FEDERAL INSURANCE COMPANY | $5K | — | $5K | 20.00% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH WORTHAM | 2727 ALLEN PKWY SUITE 2500 HOUSTON, TX 77019 | FEDERAL INSURANCE COMPANY | $4K | — | $4K | 15.00% |
| WORTHAM SAN ANTONIO INC3 Filed as: JOHN L WORTHAM & SON LLP | PO BOX 301598 DALLAS, TX 75303 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $949 | — | $949 | 10.00% |
| WORTHAM SAN ANTONIO INC3 Filed as: JOHN L WORTHAM & SON LP | PO BOX 301598 DALLAS, TX 75303 | EYEMED VISION CARE ON BEHALF OF FIDELITY SECURITY LIFE INSURANCE CO. | $167 | — | $167 | 3.22% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH WORTHAM | PO BOX 301598 DALLAS, TX 75303 | EYEMED VISION CARE ON BEHALF OF FIDELITY SECURITY LIFE INSURANCE CO. | $128 | — | $128 | 2.47% |
| WORTHAM SAN ANTONIO INC3 Filed as: JOHN L WORTHAM & SON LP | PO BOX 301598 DALLAS, TX 75303 | EYEMED VISION CARE ON BEHALF OF FIDELITY SECURITY LIFE INSURANCE CO. | $141 | — | $141 | 5.32% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH WORTHAM | PO BOX 301598 DALLAS, TX 75303 | EYEMED VISION CARE ON BEHALF OF FIDELITY SECURITY LIFE INSURANCE CO. | $48 | — | $48 | 1.81% |
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 | 10,564 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 108 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 10,672 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | UNITEDHEALTHCARE INSURANCE COMPANY | 139 | $798K |
| Vision(3 contracts) | EYEMED VISION CARE ON BEHALF OF FIDELITY SECURITY LIFE INSURANCE CO. | 13,929 | $1.2M |
| Life insurance | UNUM LIFE INSURANCE COMPANY OF AMERICA | 10,564 | $5.7M |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 1,544 | $267K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 10,564 | $5.7M |
| Stop-loss / reinsurancereinsurance | BERKLEY LIFE AND HEALTH INSURANCE CO | 9,485 | $4.2M |
| Other(7 contracts, 6 carriers) | ZURICH AMERICAN INSURANCE COMPANY | 10,564 | $1.6M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 13,929 | — |
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.