| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH WORTHAM | PO BOX 301598 DALLAS, TX 75303 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | $294K | — | $294K | 19.15% |
| WORTHAM SAN ANTONIO INC3 Filed as: WORTHAM INSURANCE & RISK MANAGEMENT | 1600 W 7TH ST FT WORTH, TX 76102 | SUN LIFE ASSURANCE COMPANY OF CANADA | $137K | — | $137K | 10.05% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH WORTHAM - FT. WORTH | PO BOX 301598 DALLAS, TX 75303 | EYEMED | $15K | — | $15K | 4.44% |
| WORTHAM SAN ANTONIO INC3 Filed as: WORTHAM INSURANCE & RISK MANAGEMENT | 1600 W 7TH ST FT WORTH, TX 76102 | EYEMED | $5K | — | $5K | 1.57% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH USA INC. | 1600 W 7TH ST FT WORTH, TX 76102 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $53K | $2K | $54K | 16.63% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH USA INC. | 1600 W 7TH ST FT WORTH, TX 76102 | UNUM INSURANCE COMPANY | $57K | $4K | $62K | 28.96% |
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 | 6,350 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 38 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 6,388 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 5,095 | $1.5M |
| Vision | EYEMED | 4,614 | $343K |
| Life insurance | SUN LIFE ASSURANCE COMPANY OF CANADA | 6,350 | $1.4M |
| Short-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 6,350 | $1.4M |
| Long-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 6,350 | $1.4M |
| Other(3 contracts, 3 carriers) | SUN LIFE ASSURANCE COMPANY OF CANADA | 6,350 | $1.9M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 6,350 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.