| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| WORTHAM SAN ANTONIO INC3 Filed as: WORTHAM SAN ANTONIO, INC | — | BLUE CROSS BLUE SHIELD OF TEXAS | $20K | — | $20K | 0.71% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH USA, INC | — | BLUE CROSS BLUE SHIELD OF TEXAS | $7K | — | $7K | 0.24% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFITS SERVICES INC | — | BLUE CROSS BLUE SHIELD OF TEXAS | — | $5K | $5K | 0.16% |
| WORTHAM SAN ANTONIO INC3 Filed as: WORTHAM AUSTIN, INC | — | ACE AMERICAN INSURANCE COMPANY | $7K | — | $7K | 10.00% |
| WORTHAM SAN ANTONIO INC3 Filed as: WORTHAM AUSTIN INC | — | MONY LIFE INSURANCE COMPANY OF AMERICA | $9K | — | $9K | 16.08% |
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 | 286 | 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) | 286 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF TEXAS | 499 | $2.9M |
| Dental | ACE AMERICAN INSURANCE COMPANY | 207 | $68K |
| Vision | UNITED HEALTHCARE INSURANCE COMPANY | 286 | $18K |
| Life insurance | MONY LIFE INSURANCE COMPANY OF AMERICA | 283 | $58K |
| Other | MONY LIFE INSURANCE COMPANY OF AMERICA | 283 | $58K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 499 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.