| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| WORTHAM SAN ANTONIO INC3 Filed as: JOHN L WORTHAM & SON LLP | P.O.BOX 301598 DALLAS, TX 75303 | SIERRA HEALTH AND LIFE INSURANCE COMPANY, INC. | $39K | — | $39K | 0.48% |
| FRED MAXWELL - ACIUS GROUP3 | SUITE 203, 2591 DALLAS PARKWAY FRISCO, TX 75034 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $4K | — | $4K | 0.27% |
| PAUL HICKS3 | 7038 GREATWOOD TRAILS DRIVE SUGAR LAND, TX 77479 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $2K | — | $2K | 0.12% |
| AXA ASSISTANCE, USA5 Filed as: AXA ASSISTANCE | 122 SOUTH MICHIGAN AVENUE SUITE 1100 CHICAGO, IL 606036115 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | — | $71 | $71 | 0.01% |
| FRED MAXWELL - ACIUS GROUP3 | SUITE 203, 2591 DALLAS PARKWAY FRISCO, TX 75034 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $10K | — | $10K | 2.54% |
| PAUL HICKS3 | 7038 GREATWOOD TRAILS DR SUGAR LAND, TX 77479 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $5K | — | $5K | 1.15% |
| AXA ASSISTANCE, USA5 | 122 SOUTH MICHIGAN AVENUE SUITE 1100 CHICAGO, IL 606036115 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | — | $198 | $198 | 0.05% |
| WORTHAM SAN ANTONIO INC3 Filed as: JOHN L WORTHAM & SON LLP | P.O.BOX 301598 DALAS, TX 75303 | AETNA LIFE INSURANCE COMPANY | $1K | — | $1K | 0.48% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| EMPYREAN EIN 20-3029813 NONE | Contract Administrator Service code 13 | — | $338K |
| VISION SERVICE PLAN EIN 06-1227840 NONE | Contract Administrator Service code 13 | — | $125K |
| UNITED HEALTHCARE EIN 95-3939697 NONE | Contract Administrator Service code 13 | — | $114K |
| AETNA DENTAL EIN 06-6033492 NONE | Contract Administrator Service code 13 | — | $56K |
| COMPASS EIN 76-0015205 NONE | Trustee (bank, trust company, or similar financial institution) Service code 21 | — | $48K |
| MCCONNELL & JONES LLP EIN 76-0488832 NONE | Accounting (including auditing) Service code 10 | — | $36K |
| WELLS FARGO BANK EIN 94-2984229 NONE | Trustee (bank, trust company, or similar financial institution) Service code 21 | — | $26K |
| ENNIS KNUPP & ASSOCIATES EIN 36-3109431 NONE | Investment advisory (plan) Service code 27 | — | $10K |
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 | 0 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 6,019 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 6,019 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | SIERRA HEALTH AND LIFE INSURANCE COMPANY, INC. | 6,436 | $8.2M |
| Dental | AETNA LIFE INSURANCE COMPANY | 959 | $211K |
| Vision | VISION SERVICE PLAN | 3,730 | $607K |
| Life insurance(2 contracts) | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 2,772 | $1.7M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 6,436 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker comp is under 1% of premium on a >$1M plan. Plan may be flying solo or paying a flat fee — consultant sales target.