| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CRYSTAL IBC LLC3 | 32 OLD SLIP NEW YORK, NY 10005 | HUMANA HEALTH PLAN OF TEXAS, INC. | $157K | — | $157K | 5.09% |
| LOCKTON COMPANIES, LLC3 Filed as: BOWEN MICLETTE & BRITT INS AGENCY | 111 N LOOP W STE 400 HOUSTON, TX 77008 | HUMANA HEALTH PLAN OF TEXAS, INC. | -$2K | — | -$2K | -0.07% |
| CRYSTAL IBC LLC3 | 32 OLD SLIP NEW YORK, NY 10005 | HUMANA INSURANCE COMPANY | $10K | — | $10K | 10.13% |
| LOCKTON COMPANIES, LLC3 Filed as: BOWEN MICLETTE & BRITT INS AGENCY | 1111 N LOOP W STE 400 HOUSTON, TX 77008 | HUMANA INSURANCE COMPANY | -$36 | — | -$36 | -0.04% |
| CRYSTAL IBC LLC3 | 32 OLD SLIP NEW YORK, NY 10005 | DENTICARE, INC. | $3K | — | $3K | 10.00% |
| LOCKTON COMPANIES, LLC3 Filed as: BOWEN MICLETTE & BRITT INS AGENCY | 1111 N LOOP W SUITE 400 HOUSTON, TX 77088 | DENTICARE, INC. | $2 | — | $2 | 0.01% |
| CRYSTAL IBC LLC3 | 32 OLD SLIP NEW YORK, NY 10005 | HUMANADENTAL INSURANCE COMPANY | $3K | — | $3K | 10.25% |
| LOCKTON COMPANIES, LLC3 Filed as: BOWEN MICLETTE & BRITT INS AGENCY | 1111 N LOOP W STE 400 HOUSTON, TX 77008 | HUMANADENTAL INSURANCE COMPANY | -$33 | — | -$33 | -0.11% |
| CRYSTAL IBC LLC3 | 32 OLD SLIP NEW YORK, NC 10005 | HUMANA INSURANCE COMPANY | $80 | — | $80 | 36.20% |
| LOCKTON COMPANIES, LLC3 Filed as: BOWEN MICLETTE & BRITT INS AGENCY L | 1111 N LOOP W STE 400 HOUSTON, TX 77008 | HUMANA INSURANCE COMPANY | -$133 | — | -$133 | -60.18% |
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 | 345 | 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) | 345 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HUMANA HEALTH PLAN OF TEXAS, INC. | 205 | $3.1M |
| Dental(2 contracts, 2 carriers) | HUMANA INSURANCE COMPANY | 145 | $132K |
| Vision | HUMANADENTAL INSURANCE COMPANY | 160 | $29K |
| Life insurance | HUMANA INSURANCE COMPANY | 0 | $221 |
| Other | HUMANA INSURANCE COMPANY | 0 | $221 |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 205 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.