| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| WORTHAM SAN ANTONIO INC3 Filed as: JOHN L WORTHAM & SON LP | PO BOX 301598 DALLAS, TX 753031598 | METROPOLITAN INSURANCE COMPANY | $73K | $64K | $137K | 1.73% |
| CHRISTOPHER G TAYLOR3 | 718 WESTCOTT ST HOUSTON, TX 77007 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $168K | $67K | $236K | 7.00% |
| WORTHAM SAN ANTONIO INC3 Filed as: WORTHAM LLC | 2727 ALLEN PARKWAY HOUSTON, TX 77019 | ZURICH AMERICAN INSURANCE COMPANY | $141K | — | $141K | 15.00% |
| REUBEN WARNER ASSOCIATES, INC.3 | 1655 RICHMOND AVENUE STATEN ISLAND, NY 10314 | ZURICH AMERICAN INSURANCE COMPANY | — | $117K | $117K | 12.50% |
| CHRISTOPHER G TAYLOR3 | 718 WESTCOTT ST HOUSTON, TX 77007 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $37K | $15K | $52K | 7.00% |
| WORTHAM SAN ANTONIO INC3 Filed as: JOHN L WORTHAM & SON | PO BOX 301598 DALLAS, TX 75303 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $9K | $10K | $18K | 3.83% |
| WORTHAM SAN ANTONIO INC3 Filed as: WORTHAM LLC | 2727 ALLEN PARKWAY HOUSTON, TX 77019 | ZURICH AMERICAN INSURANCE COMPANY | $43K | — | $43K | 15.00% |
| REUBEN WARNER ASSOCIATES, INC.3 | 1655 RICHMOND AVENUE STATEN ISLAND, NY 10314 | ZURICH AMERICAN INSURANCE COMPANY | — | $36K | $36K | 12.50% |
| WORTHAM SAN ANTONIO INC3 Filed as: WORTHAM LLC | 2727 ALLEN PARKWAY HOUSTON, TX 77019 | ZURICH AMERICAN INSURANCE COMPANY | $8K | $0 | $8K | 15.00% |
| REUBEN WARNER ASSOCIATES, INC.3 | 1655 RICHMOND AVENUE STATEN ISLAND, NY 10314 | ZURICH AMERICAN INSURANCE COMPANY | $0 | $8K | $8K | 15.00% |
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 | 5,692 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2,048 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 7,740 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance(3 contracts, 2 carriers) | METROPOLITAN INSURANCE COMPANY | 15,680 | $8.1M |
| Long-term disability(3 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 5,751 | $4.6M |
| Other(3 contracts) | ZURICH AMERICAN INSURANCE COMPANY | 5,699 | $1.3M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 15,680 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.