| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BENEFIT CONCEPTS INC3 Filed as: BENEFIT CONCEPTS | 1173 BRITTMOORE ROAD HOUSTON, TX 77043 | BLUECROSS BLUESHIELD OF TEXAS | $144K | $40K | $184K | 2.02% |
| BENEFIT CONCEPTS INC3 Filed as: BENEFIT CONCEPTS | 1173 BRITTMOORE ROAD HOUSTON, TX 77043 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $80K | $15K | $94K | 9.07% |
| SAMMY L. MILLER3 | PO BOX 674 SEALY, TX 77474 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | -$1K | $0 | -$1K | -0.13% |
| INTEGRATED BENEFITS SOLUTIONS, INC.3 Filed as: INTEGRATED BNFTS SOLUTIONS INC. | PO BOX 681687 HOUSTON, TX 77268 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $34K | $0 | $34K | 11.65% |
| FOUNDATION BENEFITS LLC3 | PO BOX 85 WEST, TX 76691 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $25K | $0 | $25K | 8.52% |
| DAVID BOYD SCHAFER3 Filed as: DAVID BAYD SCHAFER | 3606 LAMESA DRIVE GARLAND, TX 75041 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $10K | $0 | $10K | 3.38% |
| CHARLIE MONEY INS SVCS INC3 Filed as: CHARLIE MONEY INS. SVCS. INC. | 3212 BARKWOOD LANE FRISCO, TX 75034 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $8K | $0 | $8K | 2.69% |
| KELLY JOEL ANDREW AND OTHER AGENTS3 | 115 REMINGTON CIRCLE LUMBERTON, TX 77657 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $6K | $0 | $6K | 2.03% |
| PATRICK PARHAM3 | 6918 BLENHEIM DRIVE SPRING, TX 77379 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $4K | $0 | $4K | 1.21% |
| STEVE WHITBECK3 Filed as: STEVE R. WHITBECK | 10431 DREAMLAND DRIVE NACOGDOCHES, TX 75964 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $3K | $0 | $3K | 1.14% |
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 | 845 | 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) | 845 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUECROSS BLUESHIELD OF TEXAS | 1,479 | $9.1M |
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 845 | $1.0M |
| Vision | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 845 | $1.0M |
| Life insurance(2 contracts, 2 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 845 | $1.3M |
| Short-term disability | AMERICAN HERITAGE LIFE INSURANCE COMPANY | 273 | $291K |
| Long-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 845 | $1.0M |
| Prescription drug | BLUECROSS BLUESHIELD OF TEXAS | 1,479 | $9.1M |
| Other(2 contracts, 2 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 845 | $1.3M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,479 | — |
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."
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.