| 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 | $138K | $9K | $147K | 1.45% |
| TEXAS PIPE AND SUPPLY COMPANY3 | 2330 HOLMES ROAD HOUSTON, TX 77051 | BLUECROSS BLUESHIELD OF TEXAS | $0 | $2 | $2 | 0.00% |
| BENEFIT CONCEPTS INC3 Filed as: BENEFIT CONCEPTS, INC. | 1173 BRITTMOORE HOUSTON, TX 77043 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $80K | $26K | $106K | 9.87% |
| FIDELITY BENEFITS & INSURANCE3 Filed as: FIDELITY BENEFITS AND INS SVCS | 9385 MILLER LANE SAN ANTONIO, TX 78266 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $22K | $9K | $31K | 17.21% |
| MJ INSURANCE3 Filed as: CLARICE D. LEWIS AND VARIOUS AGENTS | 8631 STONEFACE ROAD CHARLOTTE, NC 28214 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $8K | $1K | $9K | 5.28% |
| THOMAS SNYDER3 | 10539 DEDEKE DRIVE NEW BRAUNFELS, TX 78132 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $4K | $3K | $6K | 3.58% |
| ROBERT JAMES SHIMANEK3 | 2409 WALSH DRIVE ROUND ROCK, TX 78681 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $6K | $0 | $6K | 3.33% |
| DANIEL MARTIN ROMAN3 | 15938 SILVER ROSE SELMA, TX 78154 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $2K | $1K | $3K | 1.76% |
| MARC MAURICIO MORROW3 | 3431 RAYFORD ROAD SPRING, TX 77386 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $2K | $355 | $3K | 1.52% |
| MICHAEL CARRANZA3 | 3227 MERRIWEATHER SAN ANTONIO, TX 78233 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $2K | $0 | $2K | 0.89% |
| FIDELITY BENEFITS & INSURANCE3 Filed as: FIDELITY BENEFITS AND INS SVCS | 500 PELHAM DRIVE GALLOWAY, NJ 08205 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $14K | $1K | $15K | 16.35% |
| FIDELITY BENEFITS & INSURANCE3 Filed as: FIDELITY BENEFITS AND INS SVCS | 500 PELHAM DRIVE GALLOWAY, NJ 08205 | UNUM INSURANCE COMPANY | $8K | $771 | $9K | 17.65% |
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 | 1,013 | 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) | 1,013 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUECROSS BLUESHIELD OF TEXAS | 1,519 | $10.1M |
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 1,013 | $1.1M |
| Vision | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 1,013 | $1.1M |
| Life insurance(2 contracts, 2 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 1,013 | $1.3M |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 203 | $91K |
| Long-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 1,013 | $1.1M |
| Prescription drug | BLUECROSS BLUESHIELD OF TEXAS | 1,519 | $10.1M |
| Other(3 contracts, 3 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 1,013 | $1.3M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,519 | — |
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.