| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| WORTHAM SAN ANTONIO INC3 Filed as: JOHN L WORTHAM & SON LP | PO BOX 1388 HOUSTON, TX 772511388 | UNITEDHEALTHCARE INSURANCE COMPANY | $12K | $92K | $104K | 3.37% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH USA INC - BALTIMORE | PO BOX 1388 HOUSTON, TX 772511388 | UNITEDHEALTHCARE INSURANCE COMPANY | — | $44K | $44K | 1.44% |
| WORTHAM SAN ANTONIO INC3 Filed as: JOHN L. WORTHAM & SON, L.P. | P. O. BOX 301598 DALLAS, TX 753031598 | METROPOLITAN LIFE INSURANCE COMPANY | $13K | $2K | $14K | 13.82% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH USA INC | PO BOX 1388 HOUSTON, TX 772511388 | METROPOLITAN LIFE INSURANCE COMPANY | $4K | — | $4K | 3.52% |
| TRION GROUP, INC.3 Filed as: TRION GROUP | 2300 RENAISSANCE BLVD KING OF PRUSSIA, PA 19406 | METROPOLITAN LIFE INSURANCE COMPANY | — | $301 | $301 | 0.29% |
| WORTHAM SAN ANTONIO INC3 Filed as: JOHN L. WORTHAM & SON, L.P. | P. O. BOX 301598 DALLAS, TX 75303 | EYEMED VISION CARE | $5K | — | $5K | 14.15% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH WORTHAM - HOUSTON | PO BOX 1388 HOUSTON, TX 772511388 | EYEMED VISION CARE | $42 | — | $42 | 0.12% |
| WORTHAM SAN ANTONIO INC3 Filed as: JOHN L WORTHAM & SON LP | PO BOX 301598 DALLAS, TX 75303 | SUN LIFE ASSURANCE COMPANY OF CANADA | $2K | — | $2K | 13.85% |
| WORTHAM SAN ANTONIO INC3 Filed as: JOHN L WORTHAM & SON LP | 2727 ALLEN PKWY STE 1580 HOUSTON, TX 770192125 | DEARBORN LIFE INSURANCE COMPANY | $115 | — | $115 | 15.09% |
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 | 348 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 350 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 748 | $3.1M |
| Dental(2 contracts, 2 carriers) | UNITEDHEALTHCARE INSURANCE COMPANY | 748 | $3.2M |
| Vision | EYEMED VISION CARE | 552 | $34K |
| Life insurance(3 contracts, 3 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 492 | $115K |
| Short-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 492 | $103K |
| Long-term disability(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 492 | $115K |
| Other(3 contracts, 3 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 492 | $115K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 748 | — |
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.