| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| WORTHAM SAN ANTONIO INC3 | 131 INTERPARK BLVD SAN ANTONIO, TX 78216 | UNITEDHEATHCARE INSURANCE CO | $12K | $68K | $80K | 5.19% |
| SNOWDEN, CHARLES D3 | 10101 REUNION PL STE 300 SAN ANTONIO, TX 78216 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $7K | — | $7K | 5.63% |
| SNOWDEN, CHARLES D3 | 10101 REUNION PL STE 300 SAN ANTONIO, TX 78216 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $5K | — | $5K | 5.16% |
| WORTHAM SAN ANTONIO INC3 Filed as: WORTHAM SAN ANTONIO | 131 INTERPARK BLVD SAN ANTONIO, TX 78216 | UNITEDHEALTHCARE INSURANCE COMPANY | $9K | — | $9K | 13.83% |
| PROFESSIONAL ENROLLMENT CONCEPTS3 | SUITE 345 6200 SAVOY HOUSTON, TX 77036 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $4K | $385 | $5K | 18.80% |
| SNOWDEN, CHARLES D3 | 10101 REUNION PL STE 300 SAN ANTONIO, TX 78216 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $2K | — | $2K | 8.95% |
| EIDSON, DARELL, LAWAYNE3 | 246 INVERNESS CTR DR BIRMINGHAM, AL 35242 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $696 | — | $696 | 2.87% |
| PROFSSIONAL ENROLLMENT CONCEPTS3 | SUITE 345 6200 SAVOY HOUSTON, TX 77036 | PROVIDENT LFE AND ACCIDENT INSURANCE C | $2K | $163 | $3K | 21.96% |
| CHARLES D SNOWDEN3 | 10101 REUNION PLACE SUITE 300 SAN ANTONIO, TN 78216 | PROVIDENT LFE AND ACCIDENT INSURANCE C | $1K | — | $1K | 10.24% |
| EIDSON, DARELL, LAWAYNE3 | 246 IVERNESS CTR DR BIRMINGHAM, AL 35242 | PROVIDENT LFE AND ACCIDENT INSURANCE C | $258 | — | $258 | 2.18% |
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 | 226 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 228 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEATHCARE INSURANCE CO | 482 | $1.5M |
| Dental | UNITEDHEATHCARE INSURANCE CO | 482 | $1.5M |
| Vision | UNITEDHEATHCARE INSURANCE CO | 482 | $1.5M |
| Life insurance(3 contracts, 3 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 496 | $203K |
| Short-term disability(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 496 | $227K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 496 | $125K |
| Other(4 contracts, 3 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 496 | $227K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 496 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
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.