| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| WORTHAM SAN ANTONIO INC3 Filed as: WORTHAM- FORT WORTH, INC. | 1600 WEST 7TH STREET FORT WORTH, TX 76102 | BLUE CROSS BLUE SHIELD OF TEXAS | $65K | — | $65K | 5.31% |
| WORTHAM SAN ANTONIO INC3 Filed as: WORTHAM- FORT WORTH, INC. | 1600 WEST 7TH STREET FORT WORTH, TX 76102 | SUN LIFE ASSURANCE COMPANY OF CANADA | $8K | $526 | $8K | 16.00% |
| WORTHAM SAN ANTONIO INC3 Filed as: WORTHAM- FORT WORTH INC | 1600 WEST 7TH ST FORT WORTH, TX 76102 | DEARBORN NATIONAL | $5K | — | $5K | 15.00% |
| WORTHAM SAN ANTONIO INC3 Filed as: WORTHAM - FORT WORTH, INC. | 1600 WEST 7TH STREET FORT WORTH, TX 76102 | UNITED HEALTHCARE INSURANCE COMPANY | $3K | $4K | $7K | 39.06% |
| THE BRANTS COMPANY3 | 1600 N 7TH ST FORT WORTH, TX 761022500 | UNITED HEALTHCARE INSURANCE COMPANY | — | $2K | $2K | 14.47% |
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 | 150 | 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) | 153 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF TEXAS | 340 | $1.2M |
| Dental | BLUE CROSS BLUE SHIELD OF TEXAS | 340 | $1.2M |
| Vision | UNITED HEALTHCARE INSURANCE COMPANY | 615 | $17K |
| Life insurance | DEARBORN NATIONAL | 170 | $31K |
| Short-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 165 | $53K |
| Long-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 165 | $53K |
| Other | DEARBORN NATIONAL | 170 | $31K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 615 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.