| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| WORTHAM SAN ANTONIO INC3 Filed as: JOHN ARTHUR SCOTTI | — | UNITED CORDIA INSURANCE COMPANY | $70 | $6 | $76 | 0.03% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | DEPT 3042 PO BOX 123402 DALLAS, TX 75312 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $11K | $2K | $13K | 8.99% |
| JOHN A. SCOTTI3 Filed as: JOHN A SCOTTI | 100 STANWIX ST PITTSBURGH, PA 15222 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $4K | — | $4K | 2.51% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | DEPT 3042 PO BOX 123042 DALLAS, TX 75312 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $10K | $2K | $12K | 9.03% |
| JOHN A. SCOTTI3 Filed as: JOHN A SCOTTI | 100 STANWIX ST PITTSBURGH, PA 15222 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $3K | — | $3K | 2.48% |
| JOHN A. SCOTTI3 Filed as: JOHN A SCOTTI | — | HIGHMARK | $1K | — | $1K | 10.03% |
| WORTHAM SAN ANTONIO INC3 Filed as: JOHN ARTHUR SCOTTI | — | UNITED CORDIA INSURANCE COMPANY | $764 | $36 | $800 | 9.67% |
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 | 518 | 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) | 518 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental(2 contracts) | UNITED CORDIA INSURANCE COMPANY | 910 | $264K |
| Vision | HIGHMARK | 841 | $12K |
| Life insurance(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 518 | $278K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 518 | $146K |
| Other(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 518 | $278K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 910 | — |
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.