| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH USA INC - WORTHAM FT WORTH | 1600 W. 7TH STREET STE 300 FORT WORTH, TX 761022506 | UNITEDHEALTHCARE INSURANCE COMPANY | $126K | — | $126K | 13.04% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH USA INC | 1600 W 7TH STREET FORT WORTH, TX 76102 | HARTFORD LIFE AND ACCIDENT | $48K | — | $48K | 40.19% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH USA INC. | 2929 ALLEN PARKWAY SUITE 2500 HOUSTON, TX 77019 | HARTFORD LIFE AND ACCIDENT | — | $627 | $627 | 0.52% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| MARSH USA INC. - WORTHAM FORT WORTH EIN 36-1436000 BROKER | Other commissions Service code 55 | — | $50K |
| UNITED HEALTHCARE SERVICES, INC. EIN 41-1289245 CLAIMS PROCESSOR | Claims processing; Other services Service code 12 | — | $47K |
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 | 330 | 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) | 332 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | UNITEDHEALTHCARE INSURANCE COMPANY | 694 | $967K |
| Vision | UNITEDHEALTHCARE INSURANCE COMPANY | 694 | $967K |
| Life insurance | HARTFORD LIFE AND ACCIDENT | 423 | $119K |
| Other | HARTFORD LIFE AND ACCIDENT | 423 | $119K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 694 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.