| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH WORTHAM | P.O. BOX 301598 DALLAS, TX 75303 | BLUE CROSS BLUE SHIELD OF TEXAS | $40K | $34K | $74K | 1.70% |
| WORTHAM SAN ANTONIO INC3 Filed as: JOHN L. WORTHAM & SON L.P. | P.O. BOX 301598 DALLAS, TX 75303 | BLUE CROSS BLUE SHIELD OF TEXAS | — | $7K | $7K | 0.17% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH USA, INC | 2929 ALLEN PARKWAY SUITE 250 HOUSTON, TX 77019 | SUN LIFE ASSURANCE COMPANY OF CANADA | $19K | — | $19K | 5.69% |
| WORTHAM SAN ANTONIO INC3 | 131 INTERPARK BLVD SAN ANTONIO, TX 78216 | SUN LIFE ASSURANCE COMPANY OF CANADA | $15K | — | $15K | 4.46% |
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 | 710 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 710 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF TEXAS | 959 | $4.3M |
| Dental(2 contracts, 2 carriers) | BLUE CROSS BLUE SHIELD OF TEXAS | 959 | $4.7M |
| Vision | SUN LIFE ASSURANCE COMPANY OF CANADA | 710 | $327K |
| Life insurance | SUN LIFE ASSURANCE COMPANY OF CANADA | 710 | $327K |
| Long-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 710 | $327K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 959 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.