| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| WORTHAM SAN ANTONIO INC3 Filed as: WORTHAM SAN ANTONIO INC. | 131 INTERPARK BOULEVARD SAN ANTONIO, TX 78216 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $35K | — | $35K | 7.51% |
| WORTHAM SAN ANTONIO INC3 Filed as: WORTHAM INSURANCE & RISK | P.O. BOX 795008 SAN ANTONIO, TX 78279 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $7K | — | $7K | 3.63% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS LLC | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $2K | — | $2K | 1.37% |
| WORTHAM SAN ANTONIO INC3 Filed as: WORTHAM INSURANCE & RISK | P.O. BOX 795008 SAN ANTONIO, TX 78279 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $4K | — | $4K | 2.87% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS LLC | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $187 | — | $187 | 0.14% |
| WORTHAM SAN ANTONIO INC3 Filed as: WORTHAM INSURANCE & RISK | P.O. BOX 795008 SAN ANTONIO, TX 78279 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $5K | — | $5K | 4.74% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS LLC | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $269 | — | $269 | 0.27% |
| WORTHAM SAN ANTONIO INC3 Filed as: WORTHAM INSURANCE & RISK | P.O. BOX 795008 SAN ANTONIO, TX 78279 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $3K | — | $3K | 7.49% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS LLC | 4565 PAYSHERE CIRCLE CHICAGO, IL 60674 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $617 | — | $617 | 1.35% |
| WORTHAM SAN ANTONIO INC3 Filed as: WORTHAM INSURANCE & RISK MANAGEMENT | 131 INTERPARK BOULEVARD SAN ANTONIO, TX 78216 | UNION SECURITY INSURANCE COMPANY | $6K | — | $6K | 20.47% |
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 | 693 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 21 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 714 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 607 | $460K |
| Vision | VISION SERVICE PLAN | 585 | $94K |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 790 | $182K |
| Short-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 694 | $138K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 693 | $100K |
| Other(3 contracts, 2 carriers) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 790 | $258K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 790 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.