| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH USA INC. | PO BOX 1388 HOUSTON, TX 772511388 | METROPOLITAN LIFE INSURANCE COMPANY | $8K | $42 | $8K | 6.74% |
| WORTHAM SAN ANTONIO INC3 Filed as: WORTHAM-FORT WORTH INC. | 1600 W 7TH STREET FORT WORTH, TX 761022504 | METROPOLITAN LIFE INSURANCE COMPANY | $4K | — | $4K | 3.30% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: TRION GROUP/MARSH MCCLENNAN | 2300 RENAISSANCE BLVD KING OF PRUSSIA, PA 194062772 | METROPOLITAN LIFE INSURANCE COMPANY | — | $954 | $954 | 0.84% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH USA INC | 2727 ALLEN PARKWAY SUITE 1580 HOUSTON, TX 77019 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $11K | — | $11K | 10.18% |
| WORTHAM SAN ANTONIO INC3 Filed as: WORTHAM-FORT WORTH, INC. | 1600 WEST 7TH STREET FORT WORTH, TX 76102 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $5K | $5K | $11K | 9.51% |
| WORTHAM SAN ANTONIO INC3 Filed as: WORTHAM - FORT WORTH INC | 1600 WEST 7TH STREET FORT WORTH, TX 76102 | NATIONAL GUARDIAN LIFE INSURANCE COMPANY | $2K | — | $2K | 10.00% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH USA INC. | PO BOX 1388 HOUSTON, TX 772511388 | SAFEGUARD HEALTH PLANS, INC., A TEXAS CORPORATION | $825 | — | $825 | 6.99% |
| WORTHAM SAN ANTONIO INC3 Filed as: WORTHAM-FORT WORTH INC. | 1600 W 7TH STREET FORT WORTH, TX 761022504 | SAFEGUARD HEALTH PLANS, INC., A TEXAS CORPORATION | $355 | — | $355 | 3.01% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: TRION GROUP/MARSH MCLENNAN | 2300 RENAISSANCE BLVD KING OF PRUSSIA, PA 194062772 | SAFEGUARD HEALTH PLANS, INC., A TEXAS CORPORATION | — | $103 | $103 | 0.87% |
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 | 277 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 279 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 400 | $126K |
| Vision | NATIONAL GUARDIAN LIFE INSURANCE COMPANY | 199 | $20K |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 277 | $112K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 277 | $112K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 277 | $112K |
| Other | UNITED OF OMAHA LIFE INSURANCE COMPANY | 277 | $112K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 400 | — |
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.