| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| WORTHAM SAN ANTONIO INC3 | 131 INTERPARK BLVD SAN ANTONIO, TX 78216 | UNITEDHEALTHCARE INSURANCE COMPANY | — | $61K | $61K | 4.99% |
| WORTHAM SAN ANTONIO INC3 | 131 INTERPARK BLVD SAN ANTONIO, TX 78216 | PRINCIPAL LIFE INSURANCE COMPANY | $9K | $4K | $13K | 14.92% |
| WORTHAM SAN ANTONIO INC3 | 131 INTERPARK BLVD SAN ANTONIO, TX 78216 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $11K | $1K | $12K | 18.01% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH USA INC | 2727 ALLEN PKWY STE 1580 HOUSTON, TX 77019 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | — | $2K | 2.90% |
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 | 184 | 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) | 184 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 176 | $1.2M |
| Dental(2 contracts, 2 carriers) | PRINCIPAL LIFE INSURANCE COMPANY | 330 | $154K |
| Vision | PRINCIPAL LIFE INSURANCE COMPANY | 330 | $85K |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 181 | $69K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 181 | $69K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 181 | $69K |
| Other | UNITED OF OMAHA LIFE INSURANCE COMPANY | 181 | $69K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 330 | — |
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.