| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BENEFIT CONCEPTS INC3 Filed as: BENEFIT CONCEPTS, INC. | 1173 BRITTMOORE HOUSTON, TX 77043 | AETNA LIFE INSURANCE COMPANY | $4K | $35K | $39K | 5.48% |
| BENEFIT CONCEPTS INC3 Filed as: BENEFIT CONCEPTS, INC. | 1173 BRITTMOORE ROAD HOUSTON, TX 77043 | PRINCIPAL LIFE INSURANCE COMPANY | $5K | $3K | $8K | 19.20% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES | 1250 SOUTH CAPITAL OF TEXAS HIGHWAY WEST LAKE HILLS, TX 78746 | PRINCIPAL LIFE INSURANCE COMPANY | — | $2K | $2K | 3.69% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES, LLC | PO BOX 218060 HOUSTON, TX 77218 | PRINCIPAL LIFE INSURANCE COMPANY | $364 | — | $364 | 0.84% |
| BENEFIT CONCEPTS INC3 Filed as: BENEFIT CONCEPTS, INC. | 1173 BRITTMOORE ROAD HOUSTON, TX 77043 | VISION SERVICE PLAN | $699 | — | $699 | 7.18% |
| USI INSURANCE SERVICES LLC3 Filed as: USI BENEFIT SERVICES, LLC | PO BOX 61187 VIRGINIA BEACH, VA 23466 | VISION SERVICE PLAN | $37 | — | $37 | 0.38% |
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 | 72 | 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) | 72 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | AETNA LIFE INSURANCE COMPANY | 137 | $714K |
| Dental | AETNA LIFE INSURANCE COMPANY | 137 | $714K |
| Vision | VISION SERVICE PLAN | 61 | $10K |
| Life insurance | PRINCIPAL LIFE INSURANCE COMPANY | 95 | $43K |
| Short-term disability | PRINCIPAL LIFE INSURANCE COMPANY | 95 | $43K |
| Long-term disability | PRINCIPAL LIFE INSURANCE COMPANY | 95 | $43K |
| Prescription drug | AETNA LIFE INSURANCE COMPANY | 137 | $714K |
| Other | PRINCIPAL LIFE INSURANCE COMPANY | 95 | $43K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 137 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.