| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| WORTHAM SAN ANTONIO INC3 Filed as: JOHN L. WORTHAM & SON, L.P. | 2727 ALLEN PKWY STE 1580 HOUSTON, TX 770192125 | BLUE CROSS BLUE SHIELD OF TEXAS | $50K | — | $50K | 4.88% |
| WORTHAM SAN ANTONIO INC3 Filed as: JOHN L WORTHAM & SON LP | PO BOX 1388 HOUSTON, TX 77251 | UNITEDHEALTHCARE INSURANCE COMPANY | — | $5K | $5K | 7.46% |
| WORTHAM SAN ANTONIO INC3 Filed as: JOHN L. WORTHAM & SON, L.P. | 2727 ALLEN PKWY STE 1580 HOUSTON, TX 770192125 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $6K | $2K | $8K | 18.32% |
| WORTHAM SAN ANTONIO INC3 Filed as: JOHN L. WORTHAM & SON, L.P. | PO BOX 301598 DALLAS, TX 75303 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $1K | — | $1K | 10.76% |
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 | 115 | 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) | 115 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF TEXAS | 197 | $1.0M |
| Dental | UNITEDHEALTHCARE INSURANCE COMPANY | 118 | $66K |
| Vision | FIDELITY SECURITY LIFE INSURANCE COMPANY | 176 | $10K |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 114 | $43K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 114 | $43K |
| Other | UNITED OF OMAHA LIFE INSURANCE COMPANY | 114 | $43K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 197 | — |
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.
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.