| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| THE BANK OF SAN ANTONIO INS. GROUP3 Filed as: THE BANK OF SAN ANTONIO INS GROUP | 8000 IH 10 WEST, SUITE 1145 SAN ANTONIO, TX 78230 | AMERITAS LIFE INSURANCE CORP | $12K | — | $12K | 10.00% |
| THE BANK OF SAN ANTONIO INS. GROUP3 Filed as: THE BANK OF SAN ANTONIO INS GROUP | 8000 W INTERSTATE 10 STE 1140 SAN ANTONIO, TX 782303884 | METROPOLITAN LIFE INSURANCE COMPANY | $10K | — | $10K | 13.60% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| MERITAN HEALTH EIN 16-1264154 CLAIMS PROCESSING | Direct payment from the plan; Other fees; Claims processing; Float revenue Service code 12 | 3800 SANDSHEL DRIVE FORT WORTH, TX 76137 | $186K |
| SCRIP WORLD LLC EIN 87-0632355 PHARMACY BENEFIT MGMT | Claims processing Service code 12 | 4246 RIVERBOAT RD SALT LAKE CITY, UT 84123 | $47K |
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 | 649 | 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) | 649 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | AMERITAS LIFE INSURANCE CORP | 649 | $124K |
| Vision | AMERITAS LIFE INSURANCE CORP | 649 | $124K |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 448 | $77K |
| Short-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 448 | $77K |
| Other | METROPOLITAN LIFE INSURANCE COMPANY | 448 | $77K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 649 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.