| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT INSURANCE SERVICES | 701 B STREET 6TH FLOOR SAN DIEGO, CA 92101 | COMPANION LIFE INSURANCE COMPANY | $388K | — | $388K | 7.04% |
| DENNIS M PETERSON3 | PO BOX 1703 BOERNE, TX 78006 | TRANSAMERICA | $77K | — | $77K | 10.07% |
| WORTHAM SAN ANTONIO INC3 Filed as: WORTHAM AUSTIN INC. | 221 WEST 6TH STREET SUITE 1400 AUSTIN, TX 78701 | TRANSAMERICA | $63K | — | $63K | 8.24% |
| THE BOON INSURANCE AGENCY3 Filed as: THE BOON INSURANCEAGENCY INC | BUILDING 3 SUITE 500 6300 BRIDGEPOINT PARKWAY AUSTIN, TX 78730 | TRANSAMERICA | $25K | — | $25K | 3.23% |
| THE BOON INSURANCE AGENCY3 Filed as: BOON INSURANCE AGENCY INC THE | 6300 BRIDGE POINT PARKWAY BUILDING 3, SUITE 500 AUSTIN, TX 78730 | AMERITAS LIFE INSURANCE CORP | $887 | — | $887 | 5.31% |
| MARSH & MCLENNAN AGENCY LLC3 | 8144 WALNUT HILL LANE 16TH FLOOR DALLAS, TX 75231 | AMERITAS LIFE INSURANCE CORP | $282 | — | $282 | 1.69% |
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 | 2,958 | 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) | 2,958 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | COMPANION LIFE INSURANCE COMPANY | 4,282 | $5.5M |
| Vision | AMERITAS LIFE INSURANCE CORP | 611 | $17K |
| Life insurance | COMPANION LIFE INSURANCE COMPANY | 4,282 | $5.5M |
| Short-term disability | COMPANION LIFE INSURANCE COMPANY | 4,282 | $5.5M |
| Other(2 contracts, 2 carriers) | TRANSAMERICA | 3,373 | $799K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 4,282 | — |
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."
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.