| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| WORTHAM SAN ANTONIO INC3 Filed as: WORTHAM SAN ANTONIO | 131 INTERPARKD BLVD. SAN ANTONIO, TX 78216 | UNITED HEALTHCARE INSURANCE COMPANY | $6K | $97K | $103K | 2.98% |
| WORTHAM SAN ANTONIO INC3 | 131 INTERPARK BVLD SAN ANTONIO, TX 78216 | METROPOLITAN LIFE INSURANCE COMPANY | $51K | $6K | $56K | 10.81% |
| TRUST MANAGEMENT GROUP3 | DBA SELECTSOURCE 300 PRIMERA BLVD STE 140 LAKE MARY, FL 32746 | METROPOLITAN LIFE INSURANCE COMPANY | $27K | — | $27K | 5.25% |
| CARLISLE-LYNCH, LLC3 Filed as: CARLISLE LYNCH LLC | — | METROPOLITAN LIFE INSURANCE COMPANY | $277 | — | $277 | 0.05% |
| WORTHAM SAN ANTONIO INC3 | — | METROPOLITAN LIFE INSURANCE COMPANY | $11K | $416 | $11K | 33.74% |
| CARLISLE-LYNCH, LLC3 Filed as: CARLISLE LYNCH LLC | — | METROPOLITAN LIFE INSURANCE COMPANY | -$2K | $13K | $11K | 32.49% |
| WORTHAM SAN ANTONIO INC3 | — | METROPOLITAN LIFE INSURANCE COMPANY | $8K | $329 | $9K | 32.73% |
| CARLISLE-LYNCH, LLC3 Filed as: CARLISLE LYNCH LLC | — | METROPOLITAN LIFE INSURANCE COMPANY | -$2K | $10K | $8K | 31.50% |
| CHARLES KRAUT3 | 8812 ASHCROFT DR N RICHLAND HILLS, TX 76182 | TRANSAMERICA LIFE INSURANCE COMPANY | $678 | — | $678 | 4.29% |
| JOHN WANE3 | PO BOX 9366 YAKIMA, WA 98909 | TRANSAMERICA LIFE INSURANCE COMPANY | $553 | — | $553 | 3.50% |
| MELINDA SUTHERLAND3 | 13750 SAN PEDRO AVE STE 530 SAN ANTONIO, TX 782324390 | TRANSAMERICA LIFE INSURANCE COMPANY | $369 | — | $369 | 2.33% |
| WORTHAM SAN ANTONIO INC3 Filed as: WORTHAM SAN ANTONIO | 131 INTERPARK BLVD SAN ANTONIO, TX 78216 | TRANSAMERICA LIFE INSURANCE COMPANY | $128 | — | $128 | 0.81% |
| WORTHAM SAN ANTONIO INC3 Filed as: WORTHAM FORT WORTH INC | 131 INTERPARK BLVD SAN ANTONIO, TX 78216 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $617 | — | $617 | 14.99% |
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 | 285 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 3 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 288 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 2 carriers) | UNITED HEALTHCARE INSURANCE COMPANY | 798 | $3.5M |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 740 | $522K |
| Vision | UNITED HEALTHCARE INSURANCE COMPANY | 798 | $3.5M |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 740 | $522K |
| Short-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 740 | $522K |
| Long-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 740 | $522K |
| Other(7 contracts, 4 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 740 | $620K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 798 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.