| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| WORTHAM SAN ANTONIO INC3 Filed as: WORTHAM FORT WORTH INC | P.O. BOX 1388 HOUSTON, TX 77251 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $25K | $17K | $42K | 9.24% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH USA INC | 2727 ALLEN PKWY STE 1580 HOUSTON, TX 77019 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $5K | — | $5K | 1.02% |
| WORTHAM SAN ANTONIO INC3 Filed as: WORTHAM-FORT WORTH, INC. | 1600 WEST 7TH STREET SUITE 100 FORT WORTH, TX 76102 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES (CIGNA) | $19K | — | $19K | 4.94% |
| WORTHAM SAN ANTONIO INC3 Filed as: WORTHAM-FORT WORTH, INC. | 1600 WEST 7TH STREET SUITE 100 FORT WORTH, TX 76102 | NATIONAL GUARDIAN LIFE INSURANCE COMPANY | $6K | — | $6K | 10.00% |
| MICHAEL K PARKS3 Filed as: MICHAEL E TRADER | 1600 WEST 7TH STREET FORT WORTH, TX 76102 | CAPITAL HEALTH PLAN | $1K | — | $1K | 2.62% |
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 | 607 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 3 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 610 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES (CIGNA) | 488 | $375K |
| Vision | NATIONAL GUARDIAN LIFE INSURANCE COMPANY | 393 | $56K |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 607 | $453K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 607 | $453K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 607 | $453K |
| Other | UNITED OF OMAHA LIFE INSURANCE COMPANY | 607 | $453K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 607 | — |
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.