| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| WORTHAM SAN ANTONIO INC3 Filed as: JOHN L. WORTHAM & SON LP | PO BOX 301598 DALLAS, TX 75303 | SUN LIFE ASSURANCE COMPANY OF CANADA | $0 | $7K | $7K | 1.13% |
| USI INSURANCE SERVICES LLC3 | 9811 KATY FREEWAY, SUITE 400 HOUSTON, TX 77024 | SUN LIFE ASSURANCE COMPANY OF CANADA | $1K | $0 | $1K | 0.21% |
| WORTHAM SAN ANTONIO INC3 Filed as: WORTHAM SAN ANTONIO, INC. | 131 INTERPARK BOULEVARD SAN ANTONIO, TX 78216 | SUN LIFE ASSURANCE COMPANY OF CANADA | $111 | $0 | $111 | 0.02% |
| USI INSURANCE SERVICES LLC3 | 303 NORTH OREGON STREET, SUITE 310 EL PASO, TX 79901 | SUN LIFE ASSURANCE COMPANY OF CANADA | $93 | $0 | $93 | 0.02% |
| FINANCIAL BENEFIT SERVICES LLC3 Filed as: FINANCIAL BENEFIT SERVICES, LLC | UNKNOWN AUSTIN, TX 78760 | AMERICAN UNITED LIFE INSURANCE COMPANY | $106K | $67K | $174K | 32.71% |
| FINANCIAL BENEFIT SERVICES LLC3 Filed as: FINANCIAL BENEFIT SERVICES, LLC | 2175 NORTH GLENVILLE DRIVE RICHARDSON, TX 75082 | RELIASTAR LIFE INSURANCE COMPANY | $30K | $0 | $30K | 15.60% |
| 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% |
| MASS GROUP MARKETING INC3 Filed as: MASS GROUP MARKETING | 1819 FIRMAN DRIVE, SUITE 131 RICHARDSON, TX 75081 | RELIASTAR LIFE INSURANCE COMPANY | $0 | $6K | $6K | 3.00% |
| ROYAL ALLIANCE ASSOCIATION, INC.3 | 200 LIBERTY STREET NEW YORK, NY 10281 | METROPOLITAN LIFE INSURANCE COMPANY | $33K | $0 | $33K | 19.34% |
| FINANCIAL BENEFIT SERVICES LLC3 Filed as: FINANCIAL BENEFIT SERVICES, LLC | 2175 NORTH GLENVILLE DRIVE RICHARDSON, TX 75082 | 5STAR LIFE INSURANCE COMPANY | $11K | $0 | $11K | 12.46% |
| B&B INSURANCE NETWORK SERVICES3 | 2121 NORTH GLENVILLE DRIVE RICHARDSON, TX 75082 | 5STAR LIFE INSURANCE COMPANY | $155 | $0 | $155 | 0.17% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 221 WEST 6TH STREET, SUITE 1980 AUSTIN, TX 78701 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $35 | $0 | $35 | 1.27% |
| TRICERION GROUP, LLC3 | 3650 MANSELL ROAD, SUITE 100 ALPHARETTA, GA 30022 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $28 | $0 | $28 | 1.02% |
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 | 1,193 | 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) | 1,193 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITED BEHAVIORAL HEALTH DBA OPTUM | 1,237 | $18K |
| Dental | SUN LIFE ASSURANCE COMPANY OF CANADA | 844 | $585K |
| Vision | SUN LIFE ASSURANCE COMPANY OF CANADA | 844 | $585K |
| Life insurance(3 contracts, 3 carriers) | AMERICAN UNITED LIFE INSURANCE COMPANY | 1,193 | $792K |
| Short-term disability | AMERICAN UNITED LIFE INSURANCE COMPANY | 1,193 | $531K |
| Long-term disability | AMERICAN UNITED LIFE INSURANCE COMPANY | 1,193 | $531K |
| Prescription drug | UNITED BEHAVIORAL HEALTH DBA OPTUM | 1,237 | $18K |
| Other(3 contracts, 3 carriers) | AMERICAN UNITED LIFE INSURANCE COMPANY | 1,193 | $727K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,237 | — |
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.