| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ASSUREDPARTNERS3 Filed as: ASSURED PARTNERS OF HOUSTON, LLC | 840 GRESSNER RD STE 700 HOUSTON, TX 77024 | UNITEDHEALTHCARE INSURANCE COMPANY | — | $61K | $61K | 4.08% |
| ASSUREDPARTNERS3 Filed as: ASSUREDPARTNERS OF TEXAS, LLC | 500 N CENTRAL EXPY STE 550 PLANO, TX 75074 | UNITEDHEALTHCARE INSURANCE COMPANY | — | $13K | $13K | 0.86% |
| FOSTER BENEFIT RESOURCES INC3 Filed as: FOSTER BENEFIT RESOURCES, INC. | 14911 QUORUM DR STE 100 DALLAS, TX 75254 | UNITEDHEALTHCARE INSURANCE COMPANY | $2K | — | $2K | 0.15% |
| ASSUREDPARTNERS3 Filed as: ASSURED PARTNERS OF HOUSTON, LLC | 840 GRESSNER RD STE 700 HOUSTON, TX 77024 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $9K | — | $9K | 9.17% |
| ASSUREDPARTNERS3 Filed as: ASSUREDPARTNERS OF TEXAS, LLC | 500 N CENTRAL EXPRESSWAY #550 PLANO, TX 75074 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $824 | — | $824 | 0.83% |
| ASSUREDPARTNERS3 Filed as: ASSURED PARTNERS OF HOUSTON, LLC | 840 GRESSNER RD STE 700 HOUSTON, TX 77024 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $7K | — | $7K | 13.84% |
| ASSUREDPARTNERS3 Filed as: ASSUREDPARTNERS OF TEXAS, LLC | 500 N CENTRAL EXPRESSWAY #550 PLANO, TX 75074 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $601 | — | $601 | 1.16% |
| ASSUREDPARTNERS3 Filed as: ASSUREDPARTNERS OF TEXAS, LLC | PO BOX 851018 RICHARDSON, TX 75085 | UNITEDHEALTHCARE INSURANCE COMPANY | $4K | — | $4K | 11.51% |
| FOSTER BENEFIT RESOURCES INC3 Filed as: FOSTER BENEFIT RESOURCES INC. | 14911 QUORUM DR DALLAS, TX 75254 | UNITEDHEALTHCARE INSURANCE COMPANY | $1K | — | $1K | 4.21% |
| ASSUREDPARTNERS3 Filed as: ASSURED PARTNERS OF HOUSTON, LLC | 840 GRESSNER RD STE 700 HOUSTON, TX 77024 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $3K | — | $3K | 13.83% |
| ASSUREDPARTNERS3 Filed as: ASSUREDPARTNERS OF TEXAS, LLC | 500 N. CENTRAL EXPRESSWAY #550 PLANO, TX 75074 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $259 | — | $259 | 1.17% |
| EMPLOYEE NAVIGATOR, LLC3 | 7979 OLD GEORGETOWN RD STE 300 BETHESDA, MD 20814 | VISION SERVICE PLAN | $107 | — | $107 | 0.50% |
| ASSUREDPARTNERS3 Filed as: ASSURED PARTNERS OF HOUSTON, LLC | 840 GRESSNER RD STE 700 HOUSTON, TX 77024 | VISION SERVICE PLAN | $2 | — | $2 | 0.01% |
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 | 0 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 24 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 25 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 0 | $1.5M |
| Dental | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 188 | $99K |
| Vision | VISION SERVICE PLAN | 164 | $21K |
| Life insurance | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 0 | $22K |
| Other(3 contracts, 2 carriers) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 126 | $105K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 188 | — |
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.