| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| AMERICANIZED BENEFIT CONSULTANTS3 Filed as: AMERICANIZED BENEFITS CONSULTANTS T | 9575 KATY FWY STE 150 HOUSTON, TX 77024 | BLUECROSS BLUESHIELD OF TX | $63K | $3K | $66K | 0.89% |
| GBS BENEFITS INC3 Filed as: GBS HOUSTON INC. | 9575 KATY FWY STE 150 HOUSTON, TX 77024 | BLUECROSS BLUESHIELD OF TX | $12K | — | $12K | 0.17% |
| AMERICANIZED BENEFIT CONSULTANTS3 Filed as: AMERICANIZED CONSULTANTS LTD | 9575 KATY FWY STE 150 HOUSTON, TX 77024 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $92K | $9K | $101K | 16.55% |
| CENTRO BENEFITS RESEARCH LLC3 Filed as: CENTRO BENEFITS GROUP LLC | 325 N KIRKWOOD RD STE 300 KIRKWOOD, MO 63122 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $31K | $31K | 5.00% |
| UNITED OF OMAHA LIFE INSURANCE CO5 | MUTAL OF OMAHA PLAZA OMAHA, NE 68175 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $12K | $12K | 1.89% |
| GBS BENEFITS INC3 Filed as: GBS HOUSTON INC | 9575 KATY FWY STE 150 HOUSTON, TX 77024 | VISION SERVICE PLAN | $2K | — | $2K | 1.82% |
| AMERICANIZED BENEFITS CONSULTANTS3 | 9575 KATY FWY STE 150 HOUSTON, TX 77024 | VISION SERVICE PLAN | $1K | — | $1K | 0.92% |
| AMERICANIZED BENEFIT CONSULTANTS3 | 9575 KATY FREEWAY STE 150 HOUSTON, TX 77024 | UNITED BEHAVIORAL HEALTH DBA OPTUM | $5K | $33K | $38K | — |
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 | 529 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 529 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | BLUECROSS BLUESHIELD OF TX | 1,319 | $7.4M |
| Dental | BLUECROSS BLUESHIELD OF TX | 1,319 | $7.4M |
| Vision | VISION SERVICE PLAN | 391 | $113K |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 504 | $610K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 504 | $610K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 504 | $610K |
| Other | UNITED OF OMAHA LIFE INSURANCE COMPANY | 504 | $610K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,319 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.