| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| WORTHAM SAN ANTONIO INC3 | 131 INTERPARK BOULEVARD SAN ANTONIO, TX 78216 | RELIASTAR LIFE INSURANCE COMPANY | $131K | $9K | $140K | 12.00% |
| WORTHAM SAN ANTONIO INC3 Filed as: WORTHAM-FORT WORTH INC | 1600 WEST SEVENTH STREET FORT WORTH, TX 76102 | RELIASTAR LIFE INSURANCE COMPANY | — | $50K | $50K | 4.29% |
| MARSH & MCLENNAN AGENCY LLC3 | DALLAS ON WALNUT HILL 8144 WALNUT HILL LANE DALLAS, TX 75231 | RELIASTAR LIFE INSURANCE COMPANY | $44K | — | $44K | 3.75% |
| UMR, INC.3 Filed as: UMR INC | MARY GOSZ MAIL STOP 7320 11 SCOTT STREET SUITE 100 WAUSAU, WI 54403 | RELIASTAR LIFE INSURANCE COMPANY | — | $35K | $35K | 3.00% |
| WORTHAM SAN ANTONIO INC3 Filed as: WORTHAM INSURANCE & RISK | 131 INTERPARK BOULEVARD SAN ANTONIO, TX 78216 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $46K | — | $46K | 13.61% |
| MARSH & MCLENNAN AGENCY LLC3 | 8144 WALNUT HILL LANE 16TH FLOOR DALLAS, TX 75231 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $5K | — | $5K | 1.39% |
| WORTHAM SAN ANTONIO INC3 Filed as: WORTHAM INSURANCE & RISK | 131 INTERPARK BOULEVARD SAN ANTONIO, TX 78216 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $17K | — | $17K | 12.44% |
| MARSH & MCLENNAN AGENCY LLC3 | 8144 WALNUT HILL LANE 16TH FLOOR DALLAS, TX 75231 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $4K | — | $4K | 2.56% |
| WORTHAM SAN ANTONIO INC3 Filed as: WORTHAM INSURANCE & RISK | 131 INTERPARK BOULEVARD SAN ANTONIO, TX 78216 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $10K | — | $10K | 12.43% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY | 8144 WALNUT HILL LANE 16TH FLOOR DALLAS, TX 75231 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $2K | — | $2K | 2.57% |
| WORTHAM SAN ANTONIO INC3 Filed as: WORTHHAM-SAN ANTONIO | 131 INTERPARK BOULEVARD SAN ANTONIO, TX 78216 | HM LIFE INSURANCE COMPANY | $3K | — | $3K | 5.00% |
| WORTHAM SAN ANTONIO INC3 Filed as: WORTHAM INSURANCE & RISK | 131 INTERPARK BOULEVARD SAN ANTONIO, TX 78216 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $7K | — | $7K | 12.55% |
| MARSH & MCLENNAN AGENCY LLC3 | 8144 WALNUT HILL LANE 16TH FLOOR DALLAS, TX 75231 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $1K | — | $1K | 2.45% |
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 | 890 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 2 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 894 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | HM LIFE INSURANCE COMPANY | 871 | $68K |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 1,204 | $338K |
| Short-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 512 | $139K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 1,207 | $78K |
| Stop-loss / reinsurancereinsurance | RELIASTAR LIFE INSURANCE COMPANY | 936 | $1.2M |
| Other(2 contracts) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 1,307 | $391K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,307 | — |
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.