Form 5500 · Employee benefit plan · HOUSTON, TX
BAYLOR COLLEGE OF MEDICINE
The filing calls this plan BAYLOR COLLEGE OF MEDICINE HEALTH & WELFARE BENEFITS PLAN.
BAYLOR COLLEGE OF MEDICINE of HOUSTON, TX insures health, vision, life, disability and stop-loss coverage for its employees, per Schedule A of its Form 5500. Its broker of record is MARSH WORTHAM. Coverage is written through UNUM LIFE INSURANCE COMPANY OF AMERICA and 8 other carriers. The plan's most recent policy period ended in December.
Sourced from U.S. DOL EFAST2 Form 5500 · EIN 74-1613878 · plan 502 · plan year 2024, filed Oct 15, 2025
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4,208 other employer plans in Texas have policy years ending in December. See the full list on the renewal calendar, or ask for it in Claude or ChatGPT.
How this plan is funded
Both, as reported
The medical insurance contracts on the filing cover fewer than half the people in the plan, so the rest is paid another way.
A stop-loss policy appears on a Form 5500 only when the plan itself is the beneficiary, or the premiums are paid from plan money. Many employers buy stop-loss and never report it here. So a plan with no stop-loss on its filing may still have it.
Benefits declared on this filing
Health: the largest of the 2 insured health contracts, with UNITEDHEALTHCARE INSURANCE COMPANY, covers 102 of 11,750 participants (0.9%) on Schedule A.
6 contracts on this filing do not say which benefits they cover, so a line above may be insured by one of them.
Also declared: prepaid legal, death benefits, other welfare.
Declared benefits are the plan’s own line 8b codes on Form 5500. “Not on Schedule A” means no insured contract for that line appears on this filing. That usually means the benefit is self-funded, or it sits under a different plan number.
Where a line has more than one insured contract, the carrier and the covered figure are the largest contract's by premium. The contracts are not added up: a pharmacy carve-out and the medical carrier beside it cover the same people.
Persons covered is the count the carrier filed for that policy at the end of its policy year, and it can include dependents. Participants is the plan's own count at the start of its plan year. The two count different people, so a covered figure can be larger.
Plan brief
Schedule A lists 12 insured contracts covering health, vision, life, disability and stop-loss; the largest, with UNUM LIFE INSURANCE COMPANY OF AMERICA, covers 12,077 people.
The filing declares health, vision, life, disability and dental. Dental appears with no insured contract on Schedule A. That coverage may be self-funded, placed with a carrier that is not on this filing, or written on one of the 6 contracts here that do not say what they cover.
The medical plan carries stop-loss coverage: the filing reports the plan paying its own health claims, with insured protection against large ones.
Reported premium across the insured contracts is $20,664,758, with $883,255 in disclosed broker commissions — about 4.3% of premium.
The most recent policy period ended in December, and the plan year ends December 31. Group contracts typically renew on that annual cycle.
Schedule A insurance contracts
| Carrier | Benefits | Covered | Renews | Premium | Commission |
|---|---|---|---|---|---|
| ZURICH AMERICAN INSURANCE COMPANY | — | 0 | Jan 1, 2025 | $786,035 | $235,810 |
| SUN LIFE ASSURANCE COMPANY OF CANADA | Stop-loss | 10,805 | Jan 1, 2025 | $6,414,418 | $176,276 |
| UNUM LIFE INSURANCE COMPANY OF AMERICA | Life, Disability | 12,077 | Jan 1, 2025 | $8,284,310 | $163,831 |
| ZURICH AMERICAN INSURANCE COMPANY | — | 0 | Jan 1, 2025 | $302,928 | $90,878 |
| EYEMED VISION CARE ON BEHALF OF FIDELITY SECURITY LIFE INSURANCE CO. | Vision | 16,685 | Jan 1, 2025 | $3,297,118 | $74,826 |
| UNITEDHEALTHCARE INSURANCE COMPANY | Health | 102 | Jan 1, 2025 | $604,858 | $55,704 |
| PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | — | 268 | Jan 1, 2025 | $309,085 | $52,924 |
| PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | — | 239 | Jan 1, 2025 | $117,331 | $17,273 |
| FEDERAL INSURANCE COMPANY | — | 0 | Jan 1, 2025 | $40,669 | $14,234 |
| CIGNA HEALTH AND LIFE INSURANCE COMPANY | Health | 1 | Jan 1, 2025 | $14,988 | $1,499 |
| UNUM LIFE INSURANCE COMPANY OF AMERICA | Disability | 1,609 | Jan 1, 2025 | $260,622 | $0 |
| LEGAL ACCESS CONSULTING, LLC | — | 1,816 | Jan 1, 2025 | $232,396 | $0 |
Covered = persons covered at policy year end, as filed on Schedule A for that policy — often certificates or one class, not the whole plan. Premium = the filing’s own premium/charges figure; “—” means not credibly reported.
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