| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 Filed as: TRION INC, MARSH & MCLENNAN AGENCY | PO BOX 301598 DALLAS, TX 75303 | BERKLEY LIFE AND HEALTH INSURANCE CO | $240K | $342K | $582K | 8.50% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH USA INC. | 2929 ALLEN PKWY STE 2500 HOUSTON, TX 77019 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $123K | $77K | $200K | 3.25% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH WORTHAM - HOUSTON | PO BOX 301598 DALLAS, TX 75303 | EYEMED VISION CARE FOR FIDELITY SECURITY LIFE INSURANCE COMPANY | $65K | — | $65K | 5.17% |
| REUBEN WARNER ASSOCIATES, INC.3 Filed as: REUBEN WARNER ASSOCS INC | 1655 RICHMOND AVE STATEN ISLAND, NY 10314 | ZURICH AMERICAN INSURANCE COMPANY | $100K | $33K | $134K | 20.00% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH WORTHAM | 2500 CITY WEST BLVD, SUITE 2400 HOUSTON, TX 77042 | ZURICH AMERICAN INSURANCE COMPANY | $100K | — | $100K | 15.00% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH USA INC. - WORTHAM HOUSTON | 2727 ALLEN PARKWAY HOUSTON, TX 77019 | UNITEDHEALTHCARE INSURANCE COMPANY | $58K | — | $58K | 9.17% |
| REUBEN WARNER ASSOCIATES, INC.3 Filed as: REUBEN WARNER ASSOCS INC | 1655 RICHMOND AVE STATEN ISLAND, NY 10314 | ZURICH AMERICAN INSURANCE COMPANY | $38K | $13K | $51K | 20.00% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH WORTHAM INSURANCE | 2500 CITY WEST BLVD, SUITE 2400 HOUSTON, TX 77042 | ZURICH AMERICAN INSURANCE COMPANY | $38K | — | $38K | 15.00% |
| WORTHAM SAN ANTONIO INC3 Filed as: WORTHAM INSURANCE & RISK MANAGEMENT | PO BOX 301598 DALLAS, TX 75303 | LEGAL ACCESS CONSULTING, LLC | — | $1K | $1K | 1.00% |
| NFP INSURANCE SERVICES INC3 Filed as: MANAGEMENT COMPENSATION GROUP | 40 WALL ST. STE 1304 NEW YORK, NY 10005 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $12K | $2K | $14K | 17.88% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH USA, INC. | 2929 ALLEN PARKWAY SUITE 2500 HOUSTON, TX 77019 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $6K | — | $6K | 7.71% |
| 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 | — | $743 | $743 | 0.97% |
| 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 WORTHAM | 2929 ALLEN PKWY SUITE 2500 HOUSTON, TX 77019 | FEDERAL INSURANCE COMPANY | $6K | — | $6K | 15.00% |
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 | 11,258 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 34 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 10 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 11,302 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | UNITEDHEALTHCARE INSURANCE COMPANY | 116 | $636K |
| Vision | EYEMED VISION CARE FOR FIDELITY SECURITY LIFE INSURANCE COMPANY | 15,121 | $1.3M |
| Life insurance | UNUM LIFE INSURANCE COMPANY OF AMERICA | 11,258 | $6.1M |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 1,618 | $241K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 11,258 | $6.1M |
| Stop-loss / reinsurancereinsurance | BERKLEY LIFE AND HEALTH INSURANCE CO | 10,071 | $6.8M |
| Other(7 contracts, 6 carriers) | ZURICH AMERICAN INSURANCE COMPANY | 1,288 | $1.3M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 15,121 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.