| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BENEFIT CONCEPTS INC3 Filed as: BENEFIT CONCEPTS INC. | 1173 BRITTMOORE ROAD HOUSTON, TX 77043 | BLUECROSS BLUESHIELD OF TEXAS | $164K | — | $164K | 2.04% |
| BENEFIT CONCEPTS INC3 Filed as: BENEFIT CONCEPTS INC. | 1173 BRITTMOORE ROAD HOUSTON, TX 77043 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $63K | $11K | $74K | 9.12% |
| SAMMY L. MILLER3 Filed as: SAMMY L MILLER | P.O. BOX 674 SEALY, TX 77474 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $1K | — | $1K | 0.17% |
| INTEGRATED BENEFIT SOLUTIONS3 | P.O. BOX 681687 HOUSTON, TX 772681687 | METROPOLITAN LIFE INSURANCE COMPANY | $5K | — | $5K | 8.54% |
| INTEGRATED BENEFITS SOLUTIONS, INC.3 Filed as: INTEGRATED BENEFITS SOLUTIONS INC. | P.O. BOX 681687 HOUSTON, TX 77268 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $3K | — | $3K | 6.88% |
| STARNES-OSBURN & ASSOCIATES, LLC3 | P.O. BOX 740 HALLETTSVILLE, TX 77964 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $3K | — | $3K | 5.76% |
| SCHAFER DAVID BOYD3 | 3606 LAMESA DRIVE GARLAND, TX 75041 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $1K | — | $1K | 2.79% |
| WHITBECK STEVE R3 | 950 FM 3314 NACOGDOCHES, TX 75964 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $286 | — | $286 | 0.65% |
| MONEY CHARLIE3 | 3212 BARKWOOD LANE FRISCO, TX 75034 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $243 | — | $243 | 0.55% |
| STARNES REBECCA3 Filed as: STARNES DONALD W | 10431 DREAMLAND DRIVE SAN ANTONIO, TX 78230 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $222 | — | $222 | 0.50% |
| CHARLIE MONEY INS SVCS INC3 Filed as: CHARLIE MONEY INS SVCS INC. | 3212 BARKWOOD LANE FRISCO, TX 75034 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $220 | — | $220 | 0.50% |
| AIMO MAURICIO3 | 381 CASA LINDA PLAZA SUITE 238 DALLAS, TX 75218 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $122 | — | $122 | 0.28% |
| STARNES REBECCA3 | 10431 DREAMLAND DRIVE SAN ANTONIO, TX 78230 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $85 | — | $85 | 0.19% |
| KELLEY JOEL ANDREW3 | 115 REMINGTON CIRCLE LUMBERTON, TX 77657 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $66 | — | $66 | 0.15% |
| PARHAM PATRICK3 | 6918 BLENHEIM DRIVE SPRING, TX 77379 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $4 | — | $4 | 0.01% |
| STARNES-OSBURN & ASSOCIATES, LLC3 | P.O. BOX 740 HALLETTSVILLE, TX 77964 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $7K | — | $7K | 16.55% |
| INTEGRATED BENEFITS SOLUTIONS, INC.3 Filed as: INTEGRATED BENEFITS SOLUTIONS INC. | P.O. BOX 681687 HOUSTON, TX 77268 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $4K | — | $4K | 11.07% |
| CHARLIE MONEY INS SVCS INC3 Filed as: CHARLIE MONEY INS SVCS INC. | 3213 BARKWOOD LANE FRISCO, TX 75034 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $271 | — | $271 | 0.69% |
| SCHAFER DAVID BOYD3 | 3606 LAMESA DRIVE GARLAND, TX 75041 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $261 | — | $261 | 0.66% |
| KELLEY JOEL ANDREW3 | 115 REMINGTON CIRCLE LUMBERTON, TX 77657 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $65 | — | $65 | 0.16% |
| WHITBECK STEVE R3 | 950 FM 3314 NACOGDOCHES, TX 75964 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $36 | — | $36 | 0.09% |
| PARHAM PATRICK3 | 6918 BLENHEIM DRIVE SPRING, TX 77379 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $17 | — | $17 | 0.04% |
| AIMO MAURICIO3 | 381 CASA LINDA PLAZA SUITE 238 DALLAS, TX 75218 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $12 | — | $12 | 0.03% |
| MONEY CHARLIE3 | 3212 BARKWOOD LANE FRISCO, TX 75034 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | -$6 | — | -$6 | -0.02% |
| STARNES REBECCA3 | 10431 DREAMLAND DRIVE SAN ANTONIO, TX 78230 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | -$12 | — | -$12 | -0.03% |
| INTEGRATED BENEFITS SOLUTIONS, INC.3 Filed as: INTEGRATED BENEFITS SOLUTIONS INC. | P.O. BOX 681687 HOUSTON, TX 77268 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $2K | — | $2K | 6.23% |
| STARNES-OSBURN & ASSOCIATES, LLC3 | P.O. BOX 740 HALLETTSVILLE, TX 77964 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $2K | — | $2K | 4.83% |
| AIMO MAURICIO3 | 381 CASA LINDA PLAZA SUITE 238 DALLAS, TX 75218 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $566 | — | $566 | 1.45% |
| SCHAFER DAVID BOYD3 | 3606 LAMESA DRIVE GARLAND, TX 75041 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $521 | — | $521 | 1.34% |
| WHITBECK STEVE R3 | 950 FM 3314 NACOGDOCHES, TX 75964 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $324 | — | $324 | 0.83% |
| MONEY CHARLIE3 | 3212 BARKWOOD LANE FRISCO, TX 75034 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $276 | — | $276 | 0.71% |
| STARNES REBECCA3 Filed as: STARNES DONALD W | 10431 DREAMLAND DRIVE SAN ANTONIO, TX 78230 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $211 | — | $211 | 0.54% |
| CHARLIE MONEY INS SVCS INC3 Filed as: CHARLIE MONEY INS SVCS INC. | 3212 BARKWOOD LANE FRISCO, TX 75034 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $115 | — | $115 | 0.29% |
| STARNES REBECCA3 | 10431 DREAMLAND DRIVE SAN ANTONIO, TX 78230 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $62 | — | $62 | 0.16% |
| KELLEY JOEL ANDREW3 | 115 REMINGTON CIRCLE LUMBERTON, TX 77657 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $42 | — | $42 | 0.11% |
| PARHAM PATRICK3 | 6918 BLENHEIM DRIVE SPRING, TX 77379 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $11 | — | $11 | 0.03% |
| STARNES-OSBURN & ASSOCIATES, LLC3 | P.O. BOX 740 HALLETTSVILLE, TX 77964 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $3K | — | $3K | 10.59% |
| INTEGRATED BENEFITS SOLUTIONS, INC.3 Filed as: INTEGRATED BENEFITS SOLUTIONS INC. | P.O. BOX 681687 HOUSTON, TX 77268 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $3K | — | $3K | 10.38% |
| SCHAFER DAVID BOYD3 | 3606 LAMESA DRIVE GARLAND, TX 75041 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $576 | — | $576 | 1.84% |
| AIMO MAURICIO3 | 381 CASA LINDA PLAZA SUITE 238 DALLAS, TX 75218 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $430 | — | $430 | 1.37% |
| CHARLIE MONEY INS SVCS INC3 Filed as: CHARLIE MONEY INS SVCS INC. | 3212 BARKWOOD LANE FRISCO, TX 75034 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $225 | — | $225 | 0.72% |
| STARNES REBECCA3 Filed as: STARNES DONALD W | 10431 DREAMLAND DRIVE SAN ANTONIO, TX 78230 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $211 | — | $211 | 0.67% |
| WHITEBECK STEVE R3 | 950 FM 3314 NACOGDOCHES, TX 75964 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $191 | — | $191 | 0.61% |
| KELLEY JOEL ANDREW3 | 115 REMINGTON CIRCLE LUMBERTON, TX 77657 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $177 | — | $177 | 0.56% |
| MONEY CHARLIE3 | 3212 BARKWOOD LANE FRISCO, TX 75034 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $83 | — | $83 | 0.26% |
| PARHAM PATRICK3 | 6918 BLENHEIM DRIVE SPRING, TX 77379 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $30 | — | $30 | 0.10% |
| STARNES REBECCA3 | 10431 DREAMLAND DRIVE SAN ANTONIO, TX 78230 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $29 | — | $29 | 0.09% |
| INTEGRATED BENEFITS SOLUTIONS, INC.3 Filed as: INTEGRATED BENEFITS SOLUTIONS INC. | P.O. BOX 681687 HOUSTON, TX 77268 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $2K | — | $2K | 6.34% |
| STARNES-OSBURN & ASSOCIATES, LLC3 | P.O. BOX 740 HALLETTSVILLE, TX 77964 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $1K | — | $1K | 4.75% |
| WHITBECK STEVE R3 | 950 FM 3314 NACOGDOCHES, TX 75964 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $628 | — | $628 | 2.02% |
| SCHAFER DAVID BOYD3 | 3606 LAMESA DRIVE GARLAND, TX 75041 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $443 | — | $443 | 1.42% |
| STARNES REBECCA3 Filed as: STARNES DONALD W | 10431 DREAMLAND DRIVE SAN ANTONIO, TX 78230 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $185 | — | $185 | 0.59% |
| MONEY CHARLIE3 | 3212 BARKWOOD LANE FRISCO, TX 75034 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $141 | — | $141 | 0.45% |
| CHARLIE MONEY INS SVCS INC3 Filed as: CHARLIE MONEY INS SVCS INC. | 3212 BARKWOOD LANE FRISCO, TX 75034 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $101 | — | $101 | 0.32% |
| STARNES REBECCA3 | 10431 DREAMLAND DRIVE SAN ANTONIO, TX 78230 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $88 | — | $88 | 0.28% |
| AIMO MAURICIO3 | 381 CASA LINDA PLAZA SUITE 238 DALLAS, TX 75218 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $84 | — | $84 | 0.27% |
| KELLEY JOEL ANDREW3 | 115 REMINGTON CIRCLE LUMBERTON, TX 77657 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $37 | — | $37 | 0.12% |
| PARHAM PATRICK3 | 6918 BLENHEIM DRIVE SPRING, TX 77379 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $17 | — | $17 | 0.05% |
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 | 999 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 9 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,008 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUECROSS BLUESHIELD OF TEXAS | 1,609 | $8.1M |
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 999 | $812K |
| Vision | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 999 | $812K |
| Life insurance(2 contracts, 2 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 999 | $843K |
| Short-term disability | AMERICAN HERITAGE LIFE INSURANCE COMPANY | 161 | $40K |
| Long-term disability(2 contracts, 2 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 999 | $874K |
| Other(4 contracts, 2 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 999 | $926K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,609 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.