| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH USA INC. | 2929 ALLEN PKWY STE 2500 HOUSTON, TX 77019 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $128K | $99K | $227K | 3.84% |
| WORTHAM SAN ANTONIO INC3 Filed as: WORTHAM - FORT WORTH INC | PO BOX 301598 DALLAS, TX 75303 | BERKLEY LIFE AND HEALTH INSURANCE CO | $195K | $279K | $475K | 8.50% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH WORTHAM - HOUSTON | PO BOX 301598 DALLAS, TX 75303 | EYEMED VISION CARE FOR FIDELITY SECURITY LIFE INSURANCE COMPANY | $51K | — | $51K | 4.34% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH USA INC. - WORTHAM HOUSTON | 2929 ALLEN PARKWAY HOUSTON, TX 77019 | UNITEDHEALTHCARE INSURANCE COMPANY | $58K | — | $58K | 8.87% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH WORTHAM | 2929 ALLEN PKWY SUITE 2500 HOUSTON, TX 77019 | ZURICH AMERICAN INSURANCE COMPANY | $91K | — | $91K | 15.00% |
| REUBEN WARNER ASSOCIATES, INC.3 Filed as: REUBEN WARNER ASSOCS INC | 1655 RICHMOND AVE STATEN ISLAND, NY 10314 | ZURICH AMERICAN INSURANCE COMPANY | — | $91K | $91K | 15.00% |
| WORTHAM SAN ANTONIO INC3 Filed as: JOHN L WORTHAM & SON LLP | GROUP DEPT PO BOX 1388 HOUSTON, TX 77251 | CONTINENTAL CASUALTY COMPANY | $14K | — | $14K | 3.59% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH WORTHAM INSURANCE | 2929 ALLEN PKWY SUITE 2500 HOUSTON, TX 77019 | ZURICH AMERICAN INSURANCE COMPANY | $34K | — | $34K | 15.00% |
| REUBEN WARNER ASSOCIATES, INC.3 Filed as: REUBEN WARNER ASSOCS INC | 1655 RICHMOND AVE STATEN ISLAND, NY 10314 | ZURICH AMERICAN INSURANCE COMPANY | — | $34K | $34K | 15.00% |
| WORTHAM SAN ANTONIO INC3 Filed as: JOHN L WORTHAM & SON LP | PO BOX 301598 DALLAS, TX 75303 | GENWORTH LIFE INSURANCE COMPANY | $2K | — | $2K | 0.91% |
| 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 | $1K | — | $1K | 10.00% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH WORTHAM | PO BOX 301598 DALLAS, TX 75303 | EYEMED VISION CARE FOR FIDELITY SECURITY LIFE INSURANCE COMPANY | $185 | — | $185 | 3.74% |
| WORTHAM SAN ANTONIO INC3 Filed as: JOHN L WORTHAM & SON LP | PO BOX 301598 DALLAS, TX 75303 | EYEMED VISION CARE FOR FIDELITY SECURITY LIFE INSURANCE COMPANY | $16 | — | $16 | 0.32% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH WORTHAM | PO BOX 301598 DALLAS, TX 75303 | EYEMED VISION CARE FOR FIDELITY SECURITY LIFE INSURANCE COMPANY | $72 | — | $72 | 3.75% |
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 | 10,756 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 42 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 10,798 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | UNITEDHEALTHCARE INSURANCE COMPANY | 99 | $664K |
| Vision(3 contracts) | EYEMED VISION CARE FOR FIDELITY SECURITY LIFE INSURANCE COMPANY | 14,422 | $1.2M |
| Life insurance | UNUM LIFE INSURANCE COMPANY OF AMERICA | 10,756 | $5.9M |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 1,576 | $275K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 10,756 | $5.9M |
| Stop-loss / reinsurancereinsurance | BERKLEY LIFE AND HEALTH INSURANCE CO | 9,629 | $5.6M |
| Other(7 contracts, 6 carriers) | ZURICH AMERICAN INSURANCE COMPANY | 11,082 | $1.6M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 14,422 | — |
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.