| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| WORTHAM SAN ANTONIO INC3 Filed as: JOHN L. WORTHAM AND SON LP | PO BOX 301598 DALLAS, TX 75303 | METROPOLITAN LIFE INSURANCE COMPANY | $45K | $8K | $54K | 9.05% |
| NATALIE JONES TELTOW3 | 1742 WICKHAM REACH DRIVE SPRING, TX 77386 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $2K | $126 | $2K | 8.79% |
| DARIN POTTS3 | 510 BERING DRIVE HOUSTON, TX 77057 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $218 | $62 | $280 | 1.49% |
| SUSAN SIDELL3 | 10838 CORONA LANE HOUSTON, TX 77072 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $67 | — | $67 | 0.36% |
| SUSAN B STEELE3 Filed as: SUSAN B. STEELE | 415 NORTH 6TH STREET NEDERLAND, TN 77627 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $32 | $0 | $32 | 0.17% |
| WAYNE JAMES PITRIE3 | 9737 BEVLYN DRIVE HOUSTON, TX 77025 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $20 | $0 | $20 | 0.11% |
| TIMOTHY J REED3 Filed as: TIMOTHY J. REED | 21 AZALEA DRIVE LUMBERTON, NJ 08048 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $17 | $0 | $17 | 0.09% |
| NATALIE JONES TELTOW3 | 1742 WICKHAM REACH DRIVE SPRING, TX 77386 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $174 | $10 | $184 | 5.86% |
| DARIN POTTS3 | 510 BERING DRIVE HOUSTON, TX 77057 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $31 | $5 | $36 | 1.15% |
| JESSICA CHRISTINE LEARD3 | 351 NORTH POST OAK LANE SUITE 610 HOUSTON, TX 77024 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $26 | $0 | $26 | 0.83% |
| WAYNE JAMES PITRIE3 | 9737 BEVLYN DRIVE HOUSTON, TX 77025 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $11 | $0 | $11 | 0.35% |
| TIMOTHY J REED3 Filed as: TIMOTHY J. REED | 21 AZALEA DRIVE LUMBERTON, NJ 08048 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $6 | $0 | $6 | 0.19% |
| SUSAN SIDELL3 | 10838 CORONA LANE HOUSTON, TX 77072 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $6 | $0 | $6 | 0.19% |
| HOWARD HOROWITZ3 Filed as: HOWARD J. HOROWITZ | 2610 ALCOTT STREET CARMEL, IN 46032 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $3 | $1 | $4 | 0.13% |
| VERNA HEATH4 | 1355 WROTHAM LANE CHANNELVIEW, TX 77530 | PRE-PAID LEGAL SERVICES, INC. DBA LEGALSHIELD | $265 | $0 | $265 | 9.27% |
| NATALIE JONES TELTOW4 Filed as: NATALIE J. TELTOW | 1742 WICKHAM REACH DRIVE SPRING, TX 77386 | PRE-PAID LEGAL SERVICES, INC. DBA LEGALSHIELD | $236 | $0 | $236 | 8.26% |
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 | 330 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 3 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 333 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | 2ND MD | 373 | $0 |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 597 | $593K |
| Vision | METROPOLITAN LIFE INSURANCE COMPANY | 597 | $593K |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 597 | $593K |
| Long-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 597 | $593K |
| Other(5 contracts, 4 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 667 | $640K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 667 | — |
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.