| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CLARIBEN INSURANCE AGENCY3 | 7322 SOUTHWEST FWY STE 1777 HOUSTON, TX 77074 | METROPOLITAN LIFE INSURANCE COMPANY | $224K | $10K | $234K | 3.21% |
| EMPLOYER FLEXIBLE BENEFIT SERVICES3 | 7102 N SAM HOUSTON PKWY W STE 200 HOUSTON, TX 77064 | METROPOLITAN LIFE INSURANCE COMPANY | — | $100K | $100K | 1.38% |
| CLARIBEN INSURANCE AGENCY3 | 7322 SOUTHWEST FWY STE 1777 HOUSTON, TX 77074 | METROPOLITAN LIFE INSURANCE COMPANY | $87K | $4K | $91K | 15.99% |
| EMPLOYER FLEXIBLE BENEFIT SERVICES3 | 7102 N SAM HOUSTON PKWY W STE 200 HOUSTON, TX 77064 | METROPOLITAN LIFE INSURANCE COMPANY | — | $26K | $26K | 4.65% |
| EMPLOYER FLEXIBLE BENEFIT SERVICES3 | 7102 N SAM HOUSTON PKWY W STE 200 HOUSTON, TX 77064 | METLIFE LEGAL PLANS INC. | $16K | — | $16K | 10.71% |
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 | 7,381 | 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) | 7,381 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | BLUE CROSS BLUE SHIELD OF TEXAS | 7,922 | $48.5M |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 13,264 | $7.3M |
| Vision | VISION SERVICE PLAN | 5,963 | $0 |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 13,264 | $7.3M |
| Short-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 13,264 | $7.3M |
| Long-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 13,264 | $7.3M |
| Other(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 13,264 | $7.4M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 13,264 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker comp is under 1% of premium on a >$1M plan. Plan may be flying solo or paying a flat fee — consultant sales target.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.