| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| WORTHAM SAN ANTONIO INC3 Filed as: WORTHAM INSURANCE AND RISK MANAGEME | 131 INTERPARK BLVD SAN ANTONIO, TX 78216 | HUMANA INSURANCE COMPANY | $91K | $0 | $91K | 9.05% |
| WORTHAM SAN ANTONIO INC3 Filed as: WORTHAM INSURANCE AND RISK MANAGEME | 131 INTERPARK BLVD SAN ANTONIO, TX 78216 | ARMADACARE | $294 | $0 | $294 | 0.33% |
| WORTHAM SAN ANTONIO INC3 Filed as: WORTHAM INSURANCE AND RISK MANAGEME | 131 INTERPARK BLVD SAN ANTONIO, TX 78216 | HUMANA DENTAL INSURANCE COMPANY | $4K | $0 | $4K | 9.76% |
| WORTHAM SAN ANTONIO INC3 Filed as: WORTHAM INSURANCE AND RISK MANAGEME | 131 INTERPARK BLVD SAN ANTONIO, TX 78216 | KANAWHA INSURANCE COMPANY | $2K | $0 | $2K | 10.35% |
| HUMANA MARKETPOINT INC3 | 500 W MAIN NCT 28 LOUISVILLE, KY 40202 | KANAWHA INSURANCE COMPANY | $1K | $0 | $1K | 4.57% |
| WORTHAM SAN ANTONIO INC3 Filed as: WORTHAM INSURANCE AND RISK MANAGEME | 131 INTERPARK BLVD SAN ANTONIO, TX 78217 | COMPBENEFITS | $1K | $0 | $1K | 11.20% |
| WORTHAM SAN ANTONIO INC3 Filed as: WORTHAM INSURANCE AND RISK MANAGEME | 131 INTERPARK BLVD SAN ANTONIO, TX 78216 | AMERICAN HERITAGE LIFE INSURANCE | $343 | $0 | $343 | 5.85% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER VOLUNTARY BNFTS LLC | PO BOX 71542 CHICAGO, IL 60695 | AMERICAN HERITAGE LIFE INSURANCE | $269 | $0 | $269 | 4.59% |
| CHRIS WILSON3 | 6575 PFEIL RD SCHERTZ, TX 78154 | AMERICAN HERITAGE LIFE INSURANCE | $36 | $0 | $36 | 0.61% |
| WALTER BURNETT EST. & OTHER AGENTS3 Filed as: WALTER M BURNETT ESTATE | C/O CHARLENE BURNETT 10427 ROCKLAND DRIVE SAN ANTONIO, TX 78230 | AMERICAN HERITAGE LIFE INSURANCE | $31 | $0 | $31 | 0.53% |
| WORTHAM SAN ANTONIO INC3 Filed as: WORTHAM INSURANCE AND RISK MANAGEME | 131 INTERPARK BLVD SAN ANTONIO, TX 78216 | HUMANA HEALTH PLAN | $1K | $0 | $1K | 30.09% |
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 | 143 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 143 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(4 contracts, 4 carriers) | HUMANA INSURANCE COMPANY | 143 | $1.1M |
| Dental | HUMANA DENTAL INSURANCE COMPANY | 8 | $39K |
| Vision | COMPBENEFITS | 84 | $12K |
| Life insurance(2 contracts, 2 carriers) | HUMANA INSURANCE COMPANY | 143 | $1.0M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 143 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.