| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CORE BENEFIT SERVICES INC3 Filed as: CORE BENEFIT SERVICES INC. | 8554 KATY FWY, STE 100 HOUSTON, TX 77024 | HUMANA INSURANCE COMPANY | $530K | $20K | $549K | 4.12% |
| LONE STAR HEALTH PLANS LTD3 Filed as: LONE STAR HEALTH PLANS INC. | PO BOX 1466 SUGAR LAND, TX 77487 | HUMANA INSURANCE COMPANY | $5K | $0 | $5K | 0.04% |
| FOREST HILLS BENEFITS INC.3 | 7102 N SAM HOUSTON PKWY W, STE 200 HOUSTON, TX 77064 | BOSTON MUTUAL LIFE INSURANCE COMPANY | $115K | $0 | $115K | 15.00% |
| EUGENE WITTORF3 | 106 BUTLERS CT CONROE, TX 77385 | METROPOLITAN LIFE INSURANCE COMPANY | $9K | $0 | $9K | 1.63% |
| FOREST HILLS BENEFITS INC.3 | 7850 N SAM HOUSTON PKWY W, STE 100 HOUSTON, TX 77064 | ACE USA GROUP | $11K | $0 | $11K | 10.00% |
| FOREST HILLS BENEFITS INC.3 | 7102 N SAM HOUSTON PKWY W, STE 200 HOUSTON, TX 77064 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $10K | $0 | $10K | 10.00% |
| FOREST HILLS BENEFITS INC.3 | 7102 N SAM HOUSTON PKWY W, STE 200 HOUSTON, TX 77064 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $9K | $0 | $9K | 10.00% |
| FOREST HILLS BENEFITS INC.3 | 7102 N SAM HOUSTON PKWY W, STE 200 HOUSTON, TX 77064 | BOSTON MUTUAL LIFE INSURANCE COMPANY | $10K | $0 | $10K | 15.00% |
| FOREST HILLS BENEFITS INC.3 | 7102 N SAM HOUSTON PKWY W, STE 200 HOUSTON, TX 77064 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $4K | $0 | $4K | 10.00% |
| FOREST HILLS BENEFITS INC.3 | 7102 N SAM HOUSTON PKWY W, STE 200 HOUSTON, TX 77064 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $3K | $0 | $3K | 10.00% |
| FOREST HILLS BENEFITS INC.3 | 7102 N SAM HOUSTON PKWY W, STE 200 HOUSTON, TX 77064 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $2K | $0 | $2K | 10.00% |
| FOREST HILLS BENEFITS INC.3 | 7102 N SAM HOUSTON PKWY W, STE 200 HOUSTON, TX 77064 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $2K | $0 | $2K | 10.00% |
| FOREST HILLS BENEFITS INC.3 | 7850 N SAM HOUSTON PKWY W, STE 100 HOUSTON, TX 77064 | ACE USA GROUP | $581 | $0 | $581 | 10.00% |
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 | 3,860 | 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) | 3,860 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 3 carriers) | HUMANA INSURANCE COMPANY | 1,498 | $13.5M |
| Dental(3 contracts, 3 carriers) | HUMANA INSURANCE COMPANY | 2,393 | $14.0M |
| Vision(3 contracts, 3 carriers) | HUMANA INSURANCE COMPANY | 2,291 | $13.6M |
| Life insurance(5 contracts, 3 carriers) | HUMANA INSURANCE COMPANY | 2,200 | $14.2M |
| Short-term disability(3 contracts, 2 carriers) | BOSTON MUTUAL LIFE INSURANCE COMPANY | 1,754 | $878K |
| Long-term disability(3 contracts, 2 carriers) | BOSTON MUTUAL LIFE INSURANCE COMPANY | 1,754 | $891K |
| Stop-loss / reinsurancereinsurance(2 contracts, 2 carriers) | UNITED STATES FIRE INSURANCE COMPANY | 180 | $214K |
| Other(5 contracts, 3 carriers) | HUMANA INSURANCE COMPANY | 2,200 | $14.2M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,393 | — |
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.
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.