| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BENEFITS INC3 Filed as: BENEFITS, INC. | P.O.BOX 18433 SUGAR LAND, TX 77496 | UNITEDHEALTHCARE INSURANCE COMPANY | $7K | $68K | $75K | 5.94% |
| WORTHAM SAN ANTONIO INC3 Filed as: JOHN L. WORTHAM & SON LP | P.O. BOX 1388 HOUSTON, TX 77251 | UNITEDHEALTHCARE INSURANCE COMPANY | $1K | — | $1K | 0.11% |
| BENEFITS INC3 Filed as: BENEFITS INC. | 9301 SOUTHWEST FREEWAY SUITE 270 HOUSTON, TX 77074 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $3K | — | $3K | 9.86% |
| WORTHAM SAN ANTONIO INC3 Filed as: JOHN L WORTHAM & SON LLP | 2727 ALLEN PARKWAY SUITE 2400 HOUSTON, TX 77019 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $2K | — | $2K | 5.14% |
| BENEFITS INC3 Filed as: BENEFITS INC. | 9301 SOUTHWEST FREEWAY SUITE 270 SUGAR LAND, TX 77074 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $1K | $1K | 5.97% |
| WORTHAM SAN ANTONIO INC3 Filed as: JOHN L. WORTHAM & SON LLP | 2727 ALLEN PARKWAY SUITE 2400 HOUSTON, TX 77019 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $793 | — | $793 | 3.17% |
| BENEFITS INC3 Filed as: BENEFITS, INC. | 9301 SW FREEWAY SUITE 270 HOUSTON, TX 77074 | UNITEDHEALTHCARE INSURANCE COMPANY | $2K | — | $2K | 9.88% |
| WORTHAM SAN ANTONIO INC3 Filed as: JOHN L. WORTHAM & SON LLP | PO BOX 3001598 DALLAS, TX 75303 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $3K | — | $3K | 14.83% |
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 | 268 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 268 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 268 | $1.3M |
| Dental | UNITEDHEALTHCARE INSURANCE COMPANY | 268 | $1.3M |
| Vision | UNITEDHEALTHCARE INSURANCE COMPANY | 268 | $1.3M |
| Life insurance | UNITEDHEALTHCARE INSURANCE COMPANY | 176 | $21K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 147 | $30K |
| Prescription drug | UNITEDHEALTHCARE INSURANCE COMPANY | 268 | $1.3M |
| Other(2 contracts, 2 carriers) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 149 | $44K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 268 | — |
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."
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.