| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| EMPLOYER FLEXIBLE BENEFIT SERVICES3 | 7102 N SAM HOUSTON PKWY W STE 200 HOUSTON, TX 77064 | METROPOLITAN LIFE INSURANCE COMPANY | — | $74K | $74K | 0.98% |
| CLARIBEN INSURANCE AGENCY3 | 7322 SOUTHWEST FWY STE 1777 HOUSTON, TX 77074 | METROPOLITAN LIFE INSURANCE COMPANY | $245 | — | $245 | 0.00% |
| EMPLOYER FLEXIBLE BENEFIT SERVICES3 | 7102 N SAM HOUSTON PKWY W STE 200 HOUSTON, TX 77064 | METROPOLITAN LIFE INSURANCE COMPANY | $4K | $13K | $17K | 2.72% |
| CLARIBEN INSURANCE AGENCY3 | 7322 SOUTHWEST FWY STE 1777 HOUSTON, TX 77074 | METROPOLITAN LIFE INSURANCE COMPANY | $7K | — | $7K | 1.20% |
| FOREST HILLS BENEFITS INC.3 Filed as: FOREST HILLS BENEFITS LLC | 7102 N SAM HOUSTON PKWY W STE 200 HOUSTON, TX 77064 | METROPOLITAN LIFE INSURANCE COMPANY | $454 | $2K | $3K | 0.43% |
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 | 8,858 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 106 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 8,964 | 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 | 8,935 | $50.1M |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 14,048 | $7.6M |
| Vision | VISION SERVICE PLAN | 6,362 | $972K |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 14,048 | $7.6M |
| Short-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 14,048 | $7.6M |
| Long-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 14,048 | $7.6M |
| Other | METROPOLITAN LIFE INSURANCE COMPANY | 14,048 | $7.6M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 14,048 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.