| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| WORTHAM SAN ANTONIO INC3 Filed as: JOHN HENRY KRANTZ III | — | BLUECROSS BLUESHIELD OF TEXAS | $54K | — | $54K | 4.88% |
| FARRALL & BLACKWELL AGENCY INC3 Filed as: FARRALL & BLACKWELL AGENCY, INC. | — | BLUECROSS BLUESHIELD OF TEXAS | $100 | $521 | $621 | 0.06% |
| MICHAEL C WALKER3 Filed as: MICHAEL ANTHONY HILL | — | BLUECROSS BLUESHIELD OF TEXAS | $187 | — | $187 | 0.02% |
| EMERSON REID LLC3 | 167 ARCHER ROAD FACTORYVILLE, PA 18419 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $20K | $3K | $23K | 19.37% |
| JOHN KRANTZ3 | — | ACE AMERICAN INSURANCE COMPANY | $927 | — | $927 | 6.26% |
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 | 345 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 345 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUECROSS BLUESHIELD OF TEXAS | 345 | $1.1M |
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 187 | $119K |
| Vision | ACE AMERICAN INSURANCE COMPANY | 113 | $15K |
| Life insurance | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 187 | $119K |
| Short-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 187 | $119K |
| Long-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 187 | $119K |
| Other | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 187 | $119K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 345 | — |
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."
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.