Form 5500 · Employee benefit plan · HOUSTON, TX
MEMORIAL HERMANN HEALTH SYSTEM
The filing calls this plan MEMORIAL HERMANN HEALTH SYSTEM FLEXIBLE BENEFIT PLAN.
MEMORIAL HERMANN HEALTH SYSTEM of HOUSTON, TX spreads its employee benefits across 5 insurance carriers, according to its Form 5500 Schedule A. Its broker of record is BROWN & BROWN INSURANCE. Coverage is written through SECURIAN LIFE INSURANCE COMPANY and 4 other carriers. The plan's most recent policy period ended in June.
Sourced from U.S. DOL EFAST2 Form 5500 · EIN 74-1152597 · plan 502 · plan year 2025, filed Apr 13, 2026
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356 other employer plans in Texas have policy years ending in June. See the full list on the renewal calendar, or ask for it in Claude or ChatGPT.
How this plan is funded
Self-funded as reported
The filing names a third-party administrator on Schedule A and reports no medical premium.
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
Also declared: prepaid legal, death benefits.
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 8 insured contracts covering health, dental, vision, life and disability; the largest, with SECURIAN LIFE INSURANCE COMPANY, covers 38,476 people.
Reported premium across the insured contracts is $21,488,571, with $182,650 in disclosed broker commissions — about 0.8% of premium.
The most recent policy period ended in June, and the plan year ends June 30. Group contracts typically renew on that annual cycle.
BROWN & BROWN INSURANCE is the broker of record on 1 of the 8 contracts; the rest name a different broker or none.
5 carriers appear on the filing, including SECURIAN LIFE INSURANCE COMPANY, THE LINCOLN NATIONAL LIFE INSURANCE COMPANY, METROPOLITAN LIFE INSURANCE COMPANY and ALPHA DENTAL PROGRAMS, INC.. SECURIAN LIFE INSURANCE COMPANY writes the largest contract by premium.
Schedule A insurance contracts
| Carrier | Benefits | Covered | Renews | Premium | Commission |
|---|---|---|---|---|---|
| METROPOLITAN LIFE INSURANCE COMPANY | Health | 2,698 | Jul 1, 2025 | $394,804 | $95,194 |
| METLIFE LEGAL PLANS | — | 4,474 | Jul 1, 2025 | $892,810 | $87,456 |
| SECURIAN LIFE INSURANCE COMPANY | Life | 38,476 | Jul 1, 2025 | $8,552,269 | $0 |
| THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | Disability | 28,223 | Jul 1, 2025 | $5,894,172 | $0 |
| METROPOLITAN LIFE INSURANCE COMPANY | Vision | 42,320 | Jul 1, 2025 | $2,829,244 | $0 |
| ALPHA DENTAL PROGRAMS, INC. | Health, Dental | 11,602 | Jul 1, 2025 | $1,553,607 | $0 |
| SECURIAN LIFE INSURANCE COMPANY | — | 11,850 | Jul 1, 2025 | $815,004 | $0 |
| THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | 729 | Jul 1, 2025 | $556,661 | $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.
Administrator and service providers
The plan administrator is from line 3a of the main form. We publish company names only.
Reported to OSHA
Reported to OSHA for 2025: 19,799 employees, 1,041 recordable cases, 6,809 days away from work.
Source: OSHA Injury Tracking Application establishment data, 2025.
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