| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| WORTHAM SAN ANTONIO INC3 | 131 INTERPARK BLVD SAN ANTONIO, TX 78216 | UNITEDHEATHCARE INSURANCE CO | $1K | $106K | $107K | 5.21% |
| EICHLITZ DENNIS WRAY & WESTHEIMER3 | 131 INTERPARK BLVD SAN ANTONIO, TX 78216 | UNITEDHEATHCARE INSURANCE CO | — | $15K | $15K | 0.72% |
| WORTHAM SAN ANTONIO INC3 | 131 INTERPARK BLVD SAN ANTONIO, TX 78216 | SUN LIFE ASSURANCE COMPANY OF CANADA | $16K | — | $16K | 9.98% |
| WORTHAM SAN ANTONIO INC3 Filed as: JOHN L. WORTHAM & SON, L.P. | P.O. BOX 301598 DALLAS, TX 75303 | SUN LIFE ASSURANCE COMPANY OF CANADA | — | $2K | $2K | 1.35% |
| CHARLES D SNOWDEN3 | 10101 REUNION PLACE SUITE 300 SAN ANTONIO, TN 78216 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $7K | — | $7K | 4.66% |
| WORTHAM SAN ANTONIO INC3 | 131 INTERPARK BLVD SAN ANTONIO, TX 78216 | SUN LIFE ASSURANCE COMPANY OF CANADA | $12K | — | $12K | 14.96% |
| PROFESSIONAL ENROLLMENT CONCEPTS3 | SUITE 345 6200 SAVOY HOUSTON, TX 77036 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $7K | $545 | $7K | 19.77% |
| SNOWDEN, CHARLES D3 | 10101 REUNION PL STE 300 SAN ANTONIO, TX 78216 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $3K | — | $3K | 8.25% |
| EIDSON, DARELL, LAWAYNE3 | 246 INVERNESS CTR DR BIRMINGHAM, AL 35242 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $345 | — | $345 | 0.97% |
| PROFSSIONAL ENROLLMENT CONCEPTS3 | SUITE 345 6200 SAVOY HOUSTON, TX 77036 | PROVIDENT LFE AND ACCIDENT INSURANCE CO | $2K | $145 | $2K | 15.36% |
| CHARLES D SNOWDEN3 | 10101 REUNION PLACE SUITE 300 SAN ANTONIO, TN 78216 | PROVIDENT LFE AND ACCIDENT INSURANCE CO | $1K | — | $1K | 7.54% |
| EIDSON, DARELL, LAWAYNE3 | 246 IVERNESS CTR DR BIRMINGHAM, AL 35242 | PROVIDENT LFE AND ACCIDENT INSURANCE CO | $313 | — | $313 | 2.17% |
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 | 228 | 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) | 228 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEATHCARE INSURANCE CO | 490 | $2.1M |
| Dental | SUN LIFE ASSURANCE COMPANY OF CANADA | 264 | $159K |
| Vision | SUN LIFE ASSURANCE COMPANY OF CANADA | 264 | $159K |
| Life insurance(3 contracts, 3 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 554 | $252K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 554 | $157K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 554 | $157K |
| Other(4 contracts, 3 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 554 | $288K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 554 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.