| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BENEFIT CONCEPTS INC3 Filed as: BENEFIT CONCEPTS INC. | 1173 BRITTMOORE HOUSTON, TX 77043 | BLUECROSS BLUESHIELD OF TEXAS | $131K | $7K | $137K | 1.65% |
| BENEFIT CONCEPTS INC3 Filed as: BENEFIT CONCEPTS INC. | 1173 BRITTMOORE HOUSTON, TX 77043 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $73K | $26K | $100K | 10.13% |
| ROBERT JAMES SHIMANEK3 | 2409 WALSH DRIVE ROUND ROCK, TX 78681 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $9K | $43K | $52K | 41.26% |
| FIDELITY BENEFITS & INSURANCE3 Filed as: FIDELITY BENEFITS AND INS SVCS | 9385 MILLER LANE SAN ANTONIO, TX 78266 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $16K | $2K | $17K | 13.62% |
| MJ INSURANCE3 Filed as: MICHAEL SNYDER AND VARIOUS AGENTS | 19518 KILBOURN ROAD HARLINGEN, TX 78550 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $8K | $3K | $12K | 9.12% |
| THOMAS SNYDER3 | 9385 MILLER LANE GARDEN RIDGE, TX 78266 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $3K | $7K | $10K | 7.76% |
| DANIEL MARTIN ROMAN3 | 9385 MILLER LANE GARDEN RIDGE, TX 78266 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $3K | $5K | $8K | 6.55% |
| CLARICE D LEWIS LLC3 Filed as: CLARICE D. LEWIS LLC | 8631 STONEFACE ROAD CHARLOTTE, NC 28214 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $5K | $549 | $6K | 4.62% |
| DARLENE BLAASCH3 | 1758 RED CEDAR LANE ROCKHILL, SC 29732 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $5K | $637 | $6K | 4.56% |
| INTEGRATED BENEFITS SOLUTIONS, INC.3 Filed as: INTEGRATED BENEFITS SOLUTIONS INC. | PO BOX 681687 HOUSTON, TX 77268 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $3K | $0 | $3K | 3.54% |
| FOUNDATION BENEFITS LLC3 | PO BOX 85 WEST, TX 76691 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $3K | $0 | $3K | 3.33% |
| MJ INSURANCE3 Filed as: DONALD STARNES AND VARIOUS AGENTS | 10431 DREAMLAND DRIVE SAN ANTONIO, TX 78230 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $798 | $0 | $798 | 0.91% |
| DAVID BOYD SCHAFER3 Filed as: DAVID SCHAFER BOYD | 3606 LAMESA DRIVE GARLAND, TX 75041 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $755 | $0 | $755 | 0.86% |
| FIDELITY BENEFITS AND INSURANCE3 | 500 PELHAM DRIVE GALLOWAY TOWNSHIP, NJ 08205 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $565 | $0 | $565 | 0.65% |
| CHARLIE MONEY INS SVCS INC3 Filed as: CHARLIE MONEY INSURANCE SVCS. INC. | 3212 BARKWOOD LANE FRISCO, TX 75034 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $525 | $0 | $525 | 0.60% |
| STEVE WHITBECK3 Filed as: STEVE R. WHITBECK | 950 FM 3314 NACOGDOCHES, TX 75964 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $196 | $0 | $196 | 0.22% |
| FIDELITY BENEFITS AND INSURANCE3 | 500 PELHAM DRIVE GALLOWAY, NJ 08205 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $12K | $2K | $14K | 17.76% |
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 | 889 | 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) | 889 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUECROSS BLUESHIELD OF TEXAS | 1,415 | $8.3M |
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 889 | $985K |
| Vision | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 889 | $985K |
| Life insurance(3 contracts, 3 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 889 | $1.2M |
| Short-term disability(2 contracts, 2 carriers) | AMERICAN HERITAGE LIFE INSURANCE COMPANY | 192 | $165K |
| Long-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 889 | $985K |
| Prescription drug | BLUECROSS BLUESHIELD OF TEXAS | 1,415 | $8.3M |
| Other(3 contracts, 3 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 889 | $1.2M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,415 | — |
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.