| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| WORTHAM SAN ANTONIO INC3 Filed as: WORTHAM - FORT WORTH, INC. | 1600 WEST 7TH STREET SUITE 300 FORT WORTH, TX 761022506 | UNITEDHEALTHCARE INSURANCE COMPANY | $46K | — | $46K | 5.54% |
| WORTHAM SAN ANTONIO INC3 Filed as: WORTHAM-FORT WORTH, INC. | 1600 W SEVENTH STREET FORT WORTH, TX 761022505 | ACE AMERICAN INSURANCE COMPANY | $5K | — | $5K | 11.80% |
| WORTHAM SAN ANTONIO INC3 Filed as: WORTHAM - FORT WORTH, INC. | 1600 W 7TH ST STE 100 FORT WORTH, TX 76102 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $2K | — | $2K | 11.21% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH USA INC | LOCKBOX 301598 DALLAS, TX 75303 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $731 | — | $731 | 3.79% |
| WORTHAM SAN ANTONIO INC3 Filed as: WORTHAM - FORT WORTH, INC. | 1600 W 7TH ST STE 100 FORT WORTH, TX 76102 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $2K | — | $2K | 11.22% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH USA INC | LOCKBOX 301598 DALLAS, TX 75303 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $618 | — | $618 | 3.75% |
| CAROLYN ANN MCLAUGHLIN3 | 639 E TRIPP RD SUNNYVALE, TX 75182 | AFLAC | $2K | $28 | $2K | 13.32% |
| MARK HOERMANN3 | 3315 ELLINGTON DR SACHSE, TX 75048 | AFLAC | $386 | — | $386 | 2.51% |
| ADAM SHANE HUNDLEY3 | 813 CORNELL LN ALLEN, TX 75002 | AFLAC | $249 | — | $249 | 1.62% |
| KRISTY ANN MOOREHEAD3 Filed as: KRISTY ANN MOREHEAD | 329 OAKS TRL STE 211 GARLAND, TX 75043 | AFLAC | $243 | — | $243 | 1.58% |
| ANN K GRAVSETH3 | 4528 CEDARBRUSH DR DALLAS, TX 75229 | AFLAC | $228 | — | $228 | 1.48% |
| ROY G SHELDON3 | 6298 WILLOWGATE DALLAS, TX 75230 | AFLAC | $138 | — | $138 | 0.90% |
| GAY M HUNDLEY3 Filed as: GAY N HUNDLEY | 8796 FOREST CREEK LN ANNA, TX 75409 | AFLAC | $131 | — | $131 | 0.85% |
| JAMES A VANDIVER3 | 4516 LOUISVLLE DR PLANO, TX 75093 | AFLAC | $57 | — | $57 | 0.37% |
| DAVID J KASKA3 | 1862 DENVER WEST COURT #224 LAKEWOOD, CO 80401 | AFLAC | $28 | — | $28 | 0.18% |
| SUZANNE LEWIS3 | 7116 RIPLEY ST MCKINNEY, TX 75071 | AFLAC | $26 | — | $26 | 0.17% |
| T ALLEN HOWDESHELL3 Filed as: ALLEN V HUNDLEY | 8796 FOREST CREEK LN MCLEAN, TX 75409 | AFLAC | $20 | $6 | $26 | 0.17% |
| ROBERT PERRY EVANS JR3 | 14422 COUNTY ROAD X MCLEAN, TX 79057 | AFLAC | $21 | — | $21 | 0.14% |
| WILLIAM A GRAHAM COMPANY3 Filed as: WILLIAM C COVINGTON | 550 S WATTERS RD STE 103 ALLEN, TX 75025 | AFLAC | $15 | $6 | $21 | 0.14% |
| MOLOKAI MYLES HAND3 | 1409 S LAMAR ST APT 716 DALLAS, TX 75215 | AFLAC | $19 | — | $19 | 0.12% |
| VELMA E KASKA3 | 7803 EPPING LN AUSTIN, TX 78745 | AFLAC | $16 | — | $16 | 0.10% |
| JOHN DEE MAULDIN3 | 1400 BURLINGTON DR PLANO, TX 75025 | AFLAC | $15 | — | $15 | 0.10% |
| ANDERSON C THOMPSON3 | 4001 TRENT PINES DR NEW BERN, NC 28562 | AFLAC | $14 | — | $14 | 0.09% |
| FRANKLIN R DAVIES3 | 201 ROYAL ABERDEEN WAY MCKINNEY, TX 75070 | AFLAC | $10 | — | $10 | 0.06% |
| GARY C KLEIN3 | 3211 SAN SEBASTIAN DR CARROLLTON, TX 75006 | AFLAC | $5 | — | $5 | 0.03% |
| SCOTT WEBB3 | 26729 N 91ST DR PEORIA, AZ 85383 | AFLAC | $5 | — | $5 | 0.03% |
| HARVEY EDWARD MCCREARY JR3 | 273 BELLWOOD DR GARLAND, TX 75040 | AFLAC | $3 | — | $3 | 0.02% |
| WILLIAM A GRAHAM COMPANY3 Filed as: WILLIAM C COVINGTON | 1750 WINDY HILL LN PROSPER, TX 75078 | AFLAC | $2 | — | $2 | 0.01% |
| BARBARA ANN MCNAUGHTON3 | 4910 CORPORATE DR NW STE G HUNTSVILLE, AL 35805 | AFLAC | $2 | — | $2 | 0.01% |
| WORTHAM SAN ANTONIO INC3 Filed as: WORTHAM- FORT WORTH, INC. | 1600 W 7TH ST STE 100 FORT WORTH, TX 76102 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $357 | — | $357 | 11.18% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH USA INC | LOCKBOX 301598 DALLAS, TX 75303 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $122 | — | $122 | 3.82% |
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 | 139 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 140 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 146 | $823K |
| Dental | ACE AMERICAN INSURANCE COMPANY | 116 | $39K |
| Vision | ACE AMERICAN INSURANCE COMPANY | 116 | $39K |
| Life insurance | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 139 | $3K |
| Short-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 139 | $19K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 139 | $16K |
| Other(2 contracts, 2 carriers) | AFLAC | 139 | $19K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 146 | — |
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.