| 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 | $1.2M | $230K | $1.4M | 6.44% |
| FOREST HILLS BENEFITS INC.3 | 7102 N SAM HOUSTON PKWY W, STE 200 HOUSTON, TX 77064 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $78K | $0 | $78K | 10.06% |
| CORE BENEFIT SERVICES INC3 Filed as: CORE BENEFIT SERVICES INC. | 8554 KATY FWY, STE 100 HOUSTON, TX 77024 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $0 | $5K | $5K | 0.62% |
| FOREST HILLS BENEFITS INC.3 | 7102 N SAM HOUSTON PKWY W, STE 200 HOUSTON, TX 77064 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $65K | $0 | $65K | 10.08% |
| CORE BENEFIT SERVICES INC3 Filed as: CORE BENEFIT SERVICES INC. | 8554 KATY FWY, STE 100 HOUSTON, TX 77024 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $0 | $16K | $16K | 2.48% |
| FOREST HILLS BENEFITS INC.3 | 7102 N SAM HOUSTON PKWY W, STE 200 HOUSTON, TX 77064 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $56K | $0 | $56K | 10.07% |
| CORE BENEFIT SERVICES INC3 Filed as: CORE BENEFIT SERVICES INC. | 8554 KATY FWY, STE 100 HOUSTON, TX 77024 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $0 | $3K | $3K | 0.61% |
| FOREST HILLS BENEFITS INC.3 | 7102 N SAM HOUSTON PKWY W, STE 200 HOUSTON, TX 77064 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $43K | $0 | $43K | 10.00% |
| CORE BENEFIT SERVICES INC3 Filed as: CORE BENEFIT SERVICES INC. | 8554 KATY FWY, STE 100 HOUSTON, TX 77024 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $0 | $13K | $13K | 3.02% |
| EUGENE WITTORF3 | 106 BUTLERS CT CONROE, TX 77385 | METROPOLITAN LIFE INSURANCE COMPANY | $6K | $0 | $6K | 1.85% |
| GENE WITTORF3 | 7102 N SAM HOUSTON PKWY W, STE 200 HOUSTON, TN 77064 | VISION SERVICE PLAN | $3K | $0 | $3K | 0.94% |
| FOREST HILLS BENEFITS INC.3 | 7102 N SAM HOUSTON PKWY W, STE 200 HOUSTON, TN 77064 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $21K | $0 | $21K | 10.40% |
| CORE BENEFIT SERVICES INC3 Filed as: CORE BENEFIT SERVICES INC. | 8554 KATY FWY, STE 100 HOUSTON, TN 77024 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $0 | $5K | $5K | 2.48% |
| FOREST HILLS BENEFITS INC.3 | 7102 N SAM HOUSTON PKWY W, STE 200 HOUSTON, TX 77064 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $11K | $0 | $11K | 10.28% |
| CORE BENEFIT SERVICES INC3 Filed as: CORE BENEFIT SERVICES INC. | 8554 KATY FWY, STE 100 HOUSTON, TX 77024 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $0 | $3K | $3K | 2.80% |
| HOUSTON NORMAN HAMILTON3 | 7310 LOVE CREEK MISSOURI CITY, TX 77459 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $12K | $8K | $20K | 37.74% |
| DARIN POTTS3 | 510 BERING DRIVE HOUSTON, TX 77057 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $3K | $3K | $6K | 11.32% |
| FOREST HILLS BENEFITS INC.3 Filed as: FOREST HILLS BENEFITS LLC | 7102 N. SAM HOUSTON PKWY W. HOUSTON, TX 77064 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $5K | $60 | $5K | 9.55% |
| DONALD GRANT JAMES3 | 2706 TAMPA STREET FRIENDSWOOD, TX 77546 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2K | $70 | $2K | 3.91% |
| KILPATRICK COMPANIES LLC3 | 1050 WILCREST DRIVE HOUSTON, TN 77042 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2K | $0 | $2K | 3.77% |
| CORE BENEFIT SERVICES INC3 Filed as: CORE BENEFIT SERVICES INC. | 8554 KATY FWY, STE 100 HOUSTON, TX 77024 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $1K | $347 | $2K | 10.25% |
| FOREST HILLS BENEFITS INC.3 | 7102 N SAM HOUSTON PKWY W, STE 200 HOUSTON, TX 77064 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $173 | $0 | $173 | 1.08% |
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 | 4,000 | 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) | 4,000 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HUMANA INSURANCE COMPANY | 2,347 | $22.5M |
| Dental(5 contracts, 3 carriers) | HUMANA INSURANCE COMPANY | 2,347 | $24.2M |
| Vision(3 contracts, 3 carriers) | HUMANA INSURANCE COMPANY | 2,347 | $22.9M |
| Life insurance(2 contracts) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 4,000 | $847K |
| Short-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 620 | $107K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 1,140 | $430K |
| Other(3 contracts, 2 carriers) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 4,000 | $900K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 4,000 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.