| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH USA INC | P.O BOX 1388 HOUSTON, TX 772511388 | METROPOLITAN LIFE INSURANCE COMPANY | $56K | — | $56K | 4.82% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: TRION GROUP A MARSH & MCCLENNAN | 2300 RENAISSANCE BLVD KING OF PRUSSIA, PA 194062772 | METROPOLITAN LIFE INSURANCE COMPANY | — | $18K | $18K | 1.57% |
| WORTHAM SAN ANTONIO INC3 Filed as: JOHN L. WORTHAM & SON, L.P. | P. O. BOX 301598 DALLAS, TX 753031598 | METROPOLITAN LIFE INSURANCE COMPANY | — | $3K | $3K | 0.30% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH USA INC. | 2929 ALLEN PARKWAY SUITE 2500 HOUSTON, TX 77019 | BLUE CROSS BLUE SHIELD OF TEXAS | $125K | $4K | $129K | 16.67% |
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 | 513 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 514 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF TEXAS | 1,649 | $773K |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 2,682 | $1.2M |
| Vision | METROPOLITAN LIFE INSURANCE COMPANY | 2,682 | $1.2M |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 2,682 | $1.2M |
| Long-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 2,682 | $1.2M |
| Other | METROPOLITAN LIFE INSURANCE COMPANY | 2,682 | $1.2M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,682 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.