| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| FINANCIAL BENEFIT SERVICES LLC3 Filed as: FINANCIAL BENEFIT SERVICES, LLC | UNKNOWN AUSTIN, TX 78760 | AMERICAN UNITED LIFE INSURANCE COMPANY | $92K | $77K | $170K | 36.77% |
| FINANCIAL BENEFIT SERVICES LLC3 Filed as: FINANCIAL BENEFIT SERVICES, LLC | 2175 NORTH GLENVILLE DRIVE RICHARSON, TX 75082 | RELIASTAR LIFE INSURANCE COMPANY | $33K | $0 | $33K | 17.00% |
| WORTHAM SAN ANTONIO INC3 Filed as: WORTHAM SAN ANTONIO, INC. | 131 INTERPARK BOULEVARD SAN ANTONIO, TX 78216 | RELIASTAR LIFE INSURANCE COMPANY | $12K | $0 | $12K | 6.00% |
| FINANCIAL BENEFIT SERVICES LLC3 Filed as: FINANCIAL BENEFIT SERVICES | 2175 NORTH GLENVILLE DRIVE RICHARDSON, TX 75082 | 5STAR LIFE INSURANCE COMPANY | $61K | $0 | $61K | 72.50% |
| B&B INSURANCE NETWORK SERVICES3 | 2121 NORTH GLENVILLE DRIVE RICHARDSON, TX 75082 | 5STAR LIFE INSURANCE COMPANY | $24 | $0 | $24 | 0.03% |
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 | 1,137 | 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) | 1,137 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITED BEHAVIORAL HEALTH DBA OPTUM | 1,137 | $0 |
| Dental(5 contracts, 5 carriers) | UNION SECURITY INSURANCE COMPANY | 749 | $548K |
| Vision | UNION SECURITY INSURANCE COMPANY | 749 | $521K |
| Life insurance(2 contracts, 2 carriers) | AMERICAN UNITED LIFE INSURANCE COMPANY | 1,114 | $545K |
| Short-term disability | AMERICAN UNITED LIFE INSURANCE COMPANY | 1,114 | $462K |
| Long-term disability | AMERICAN UNITED LIFE INSURANCE COMPANY | 1,114 | $462K |
| Prescription drug | UNITED BEHAVIORAL HEALTH DBA OPTUM | 1,137 | $0 |
| Other(3 contracts, 3 carriers) | AMERICAN UNITED LIFE INSURANCE COMPANY | 1,114 | $658K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,137 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.