| 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 | UNITEDHEALTHCARE INSURANCE COMPANY | $4K | $119K | $123K | 4.06% |
| WORTHAM SAN ANTONIO INC3 Filed as: WORTHAM SAN ANTONIO, INC. | 131 INTERPARK BOULEVARD SAN ANTONIO, TX 78216 | SUN LIFE ASSURANCE COMPANY OF CANADA | $54K | $0 | $54K | 11.84% |
| WORTHAM SAN ANTONIO INC3 Filed as: JOHN L. WORTHAM AND SON, LP | PO BOX 301598 DALLAS, TX 75303 | SUN LIFE ASSURANCE COMPANY OF CANADA | $0 | $1K | $1K | 0.25% |
| CARLISLE-LYNCH, LLC3 | 511 NORTH HEWITT DRIVE, SUITE 4 HEWITT, TX 76643 | METROPOLITAN LIFE INSURANCE COMPANY | $9K | $0 | $9K | 11.33% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH USA, INC. | PO BOX 1388 HOUSTON, TX 77251 | METROPOLITAN LIFE INSURANCE COMPANY | $5K | $84 | $5K | 6.80% |
| WORTHAM SAN ANTONIO INC3 Filed as: WORTHAM SAN ANTONIO, INC. | 131 INTERPARK BOULEVARD SAN ANTONIO, TX 78216 | METROPOLITAN LIFE INSURANCE COMPANY | $4K | $0 | $4K | 4.63% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH AND MCLENNAN AGENCY | 2300 RENAISSANCE BOULEVARD KING OF PRUSSIA, PA 19406 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $350 | $350 | 0.44% |
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 | 369 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 16 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 385 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 694 | $3.0M |
| Dental | SUN LIFE ASSURANCE COMPANY OF CANADA | 331 | $457K |
| Vision | UNITEDHEALTHCARE INSURANCE COMPANY | 694 | $3.0M |
| Life insurance | SUN LIFE ASSURANCE COMPANY OF CANADA | 331 | $457K |
| Short-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 331 | $457K |
| Long-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 331 | $457K |
| Prescription drug | UNITEDHEALTHCARE INSURANCE COMPANY | 694 | $3.0M |
| Other(2 contracts, 2 carriers) | SUN LIFE ASSURANCE COMPANY OF CANADA | 331 | $537K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 694 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.