Form 5500 · Employee benefit plan · HOUSTON, TX
SHELL USA, INC.
The filing calls this plan SHELL USA, INC. HEALTH & WELLBEING PLAN.
SHELL USA, INC. of HOUSTON, TX is a 33,988-participant manufacturing employer whose group benefits are disclosed in its annual Form 5500 filing. Its broker of record is MARSH & MCLENNAN AGENCY LLC. Coverage is written through SIERRA HEALTH AND LIFE INSURANCE COMPANY, INC. and 19 other carriers. The plan's most recent policy period ended in December.
Sourced from U.S. DOL EFAST2 Form 5500 · EIN 13-1299890 · plan 501 · 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
Fully insured as reported
The plan's own financial statement reports paying insurance carriers about what the insurance contracts report in premium.
Benefits declared on this filing
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 29 insured contracts covering health, dental, vision, life and disability; the largest, with SIERRA HEALTH AND LIFE INSURANCE COMPANY, INC., covers 18,913 people.
Reported premium across the insured contracts is $141,394,971, with $823,340 in disclosed broker commissions — about 0.6% 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.
MARSH & MCLENNAN AGENCY LLC is the broker of record on 2 of the 29 contracts; the rest name a different broker or none.
20 carriers appear on the filing, including SIERRA HEALTH AND LIFE INSURANCE COMPANY, INC., AETNA HEALTH, INC., METROPOLITAN LIFE INSURANCE COMPANY and UNITEDHEALTHCARE INSURANCE COMPANY. SIERRA HEALTH AND LIFE INSURANCE COMPANY, INC. writes the largest contract by premium.
Schedule A insurance contracts
| Carrier | Benefits | Covered | Renews | Premium | Commission |
|---|---|---|---|---|---|
| CIGNA HEALTH AND LIFE INSURANCE COMPANY | Health, Dental | 8,271 | Jan 1, 2025 | $2,296,928 | $229,644 |
| METROPOLITAN LIFE INSURANCE COMPANY | Disability | 4,694 | Jan 1, 2025 | $9,715,673 | $195,228 |
| METLIFE LEGAL PLANS | — | 5,545 | Jan 1, 2025 | $851,762 | $78,777 |
| AETNA HEALTH, INC. | Health | 2,368 | Jan 1, 2025 | $23,669,215 | $76,183 |
| AMERITAS LIFE INSURANCE CORP. | Dental | 1,601 | Jan 1, 2025 | $900,121 | $72,010 |
| JOHN HANCOCK LIFE INSURANCE COMPANY | — | 2,254 | Jan 1, 2025 | $3,993,983 | $59,869 |
| DELTA DENTAL | Dental | 2,728 | Jan 1, 2025 | $1,205,615 | $55,330 |
| KAISER FOUNDATION HEALTH PLAN, INC. | Health | 833 | Jan 1, 2025 | $5,655,745 | $34,651 |
| KAISER FOUNDATION HEALTH PLAN, INC. | Health | 493 | Jan 1, 2025 | $3,214,426 | $20,978 |
| DELTA DENTAL OF CALIFORNIA | Dental | 10 | Jan 1, 2025 | $8,932 | $670 |
| SIERRA HEALTH AND LIFE INSURANCE COMPANY, INC. | Health | 18,913 | Jan 1, 2025 | $35,783,179 | $0 |
| METROPOLITAN LIFE INSURANCE COMPANY | Life | 21,351 | Jan 1, 2025 | $14,025,483 | $0 |
| UNITEDHEALTHCARE INSURANCE COMPANY | Health | 3,639 | Jan 1, 2025 | $10,449,859 | $0 |
| METROPOLITAN LIFE INSURANCE COMPANY | Life | 12,604 | Jan 1, 2025 | $6,028,404 | $0 |
| VISION SERVICE PLAN | Vision | 21,892 | Jan 1, 2025 | $5,561,221 | $0 |
| METROPOLITAN LIFE INSURANCE COMPANY | Disability | 5,324 | Jan 1, 2025 | $3,577,722 | $0 |
| BLUE CROSS AND BLUE SHIELD OF ALABAMA | Health, Vision | 437 | Jan 1, 2025 | $3,351,047 | $0 |
| HUMANA HEALTH BENEFIT PLAN OF LOUISIANA, INC. | Health | 721 | Jan 1, 2025 | $2,642,380 | $0 |
| METROPOLITAN LIFE INSURANCE COMPANY | — | 16,099 | Jan 1, 2025 | $2,314,432 | $0 |
| METROPOLITAN LIFE INSURANCE COMPANY | Life | 2,502 | Jan 1, 2025 | $1,254,429 | $0 |
| AETNA LIFE INSURANCE COMPANY | Health | 406 | Jan 1, 2025 | $1,149,987 | $0 |
| CIGNA HEALTH AND LIFE INSURANCE COMPANY | Dental, Vision | 1,993 | Jan 1, 2025 | $1,143,650 | $0 |
| KELSEYCARE ADVANTAGE | Health | 582 | Jan 1, 2025 | $890,355 | $0 |
| UNITED BEHAVIORAL HEALTH | — | 12,508 | Jan 1, 2025 | $641,933 | $0 |
| METROPOLITAN LIFE INSURANCE COMPANY | — | 12,594 | Jan 1, 2025 | $465,084 | $0 |
| KAISER FOUNDATION HEALTH PLAN OF WASHINGTON | Health | 53 | Jan 1, 2025 | $273,309 | $0 |
| METROPOLITAN LIFE INSURANCE COMPANY | — | 1 | Jan 1, 2025 | $139,000 | $0 |
| KAISER FOUNDATION HEALTH PLAN OF THE NORTHWEST | Health | 27 | Jan 1, 2025 | $124,701 | $0 |
| KAISER FOUNDATION HEALTH PLAN OF COLORADO | Health | 20 | Jan 1, 2025 | $66,396 | $0 |
Premium and claims on these contracts
BLUE CROSS AND BLUE SHIELD OF ALABAMA, contract 00313. For the contract year on this filing, the carrier reported $3,351,047 in premium earned and $3,588,766 in claims incurred. Dividing one by the other gives 107%.
METROPOLITAN LIFE INSURANCE COMPANY, contract 0009960. For the contract year on this filing, the carrier reported $1,254,429 in premium earned and $-116,292 in claims incurred. Dividing one by the other gives -9%.
- BLUE CROSS AND BLUE SHIELD OF ALABAMA, contract 00313 reported $354,877 in retention.
- METROPOLITAN LIFE INSURANCE COMPANY, contract 0009960 reported $175,728 in retention.
Retention is what the carrier kept of the premium after claims, as reported: administration, commissions and other charges.
Only experience-rated contracts report these figures, so most filings leave them blank.
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. The service providers are named on Schedule C of this filing. We publish company names only.
Money the plan held and paid out
Sourced from U.S. DOL EFAST2 Form 5500 · Schedule H
These are the plan's own figures from Schedule H, the financial statement it files. They are not the premium on Schedule A.
Other plans filed by this employer
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