| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BENEFITS INC3 Filed as: BENEFITS INC. | 9301 SOUTHWEST FREEWAY SUITE 270 HOUSTON, TX 77074 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | $105K | — | $105K | 1.77% |
| BENEFITS INC3 Filed as: BENEFITS, INC. | 9301 S W FREEWAY STE 270 HOUSTON, TX 77074 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $26K | $8K | $34K | 2.56% |
| WORTHAM SAN ANTONIO INC3 Filed as: JOHN L WORTHAM & SON LLP | PO BOX 301598 DALLAS, TX 75303 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $2K | $4K | $6K | 0.43% |
| NFP INSURANCE SERVICES INC3 Filed as: MANAGEMENT COMPENSATION GROUP | 55 BROADWAY SUITE 701 NEW YORK, NY 10006 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $34K | $19K | $53K | 12.64% |
| BENEFITS INC3 Filed as: BENEFITS, INC. | 9301 S W FREEWAY STE 270 HOUSTON, TX 77074 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $33K | $6K | $39K | 9.43% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP INSURANCE SERVICES, INC. | 1250 CAPITAL OF TEXAS HWY BLDG 2 STE 125 AUSTIN, TX 78746 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $0 | $5K | $5K | 1.24% |
| BENEFITS INC3 Filed as: BENEFITS, INC. | 9301 S W FREEWAY STE 270 HOUSTON, TX 77074 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $23K | — | $23K | 10.76% |
| WORTHAM SAN ANTONIO INC3 Filed as: JOHN L WORTHAM & SON LLP | PO BOX 301598 DALLAS, TX 75303 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $9K | — | $9K | 4.15% |
| NFP INSURANCE SERVICES INC3 Filed as: MANAGEMENT COMPENSATION GROUP | 55 BROADWAY SUITE 701 NEW YORK, NY 10006 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $11K | $5K | $16K | 15.09% |
| BENEFITS INC3 Filed as: BENEFITS, INC. | 9301 S W FREEWAY STE 270 HOUSTON, TX 77074 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $7K | $2K | $9K | 8.99% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP INSURANCE SERVICES, INC. | 1250 CAPITAL OF TEXAS HWY BLDG 2 STE 125 AUSTIN, TX 78746 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $0 | $3K | $3K | 2.56% |
| NFP INSURANCE SERVICES INC3 Filed as: MANAGEMENT COMPENSATION GROUP | 55 BROADWAY SUITE 701 NEW YORK, NY 10006 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $6K | $2K | $9K | 11.62% |
| BENEFITS INC3 Filed as: BENEFITS, INC. | 9301 S W FREEWAY STE 270 HOUSTON, TX 77074 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $6K | $1K | $8K | 10.08% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP INSURANCE SERVICES, INC. | 1250 CAPITAL OF TEXAS HWY BLDG 2 STE 125 AUSTIN, TX 78746 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $0 | $2K | $2K | 2.08% |
| BENEFITS INC3 Filed as: BENEFITS, INC. | 9301 S W FREEWAY STE 270 HOUSTON, TX 77074 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $7K | $307 | $7K | 10.17% |
| WORTHAM SAN ANTONIO INC3 Filed as: JOHN L WORTHAM & SON LLP | PO BOX 301598 DALLAS, TX 75303 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $2K | $253 | $2K | 3.31% |
| NFP INSURANCE SERVICES INC3 Filed as: MANAGEMENT COMPENSATION GROUP | 55 BROADWAY SUITE 701 NEW YORK, NY 10006 | PROVIDENT LIFE AND CASUALTY INSURANCE COMPANY | $3K | $2K | $5K | 12.94% |
| MCKILLOP, ROBERT, EMMETT3 Filed as: MCKILLOP ROBERT, EMMETT | 9301 S W FREEWAY STE 270 HOUSTON, TX 77074 | PROVIDENT LIFE AND CASUALTY INSURANCE COMPANY | $3K | — | $3K | 8.58% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP INSURANCE SERVICES, INC. | 1250 CAPITAL OF TEXAS HWY BLDG 2 STE 125 AUSTIN, TX 78746 | PROVIDENT LIFE AND CASUALTY INSURANCE COMPANY | $0 | $944 | $944 | 2.41% |
| BENEFITS INC3 Filed as: BENEFITS, INC. | 9301 S W FREEWAY STE 270 HOUSTON, TX 77074 | PROVIDENT LIFE AND CASUALTY INSURANCE COMPANY | $0 | $592 | $592 | 1.51% |
| BENEFITS INC3 | 9301 SOUTHWEST FREEWAY SUITE 270 HOUSTON, TX 77074 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $433 | — | $433 | 2.46% |
| WORTHAM SAN ANTONIO INC3 Filed as: JOHN L WORTHAM & SON LP | P O BOX 301598 DALLAS, TX 75303 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $184 | — | $184 | 1.04% |
| BENEFITS INC3 Filed as: BENEFITS INC. | 930 SOUTHWEST FREEWAY SUITE 270 HOUSTON, TX 77074 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $1K | — | $1K | 15.00% |
| NFP INSURANCE SERVICES INC3 Filed as: MANAGEMENT COMPENSATION GROUP | 55 BROADWAY SUITE 701 NEW YORK, NY 10006 | PROVIDENT LIFE AND CASUALTY INSURANCE COMPANY | $734 | $398 | $1K | 13.63% |
| MCKILLOP, ROBERT, EMMETT3 | 9301 S W FREEWAY STE 270 HOUSTON, TX 77074 | PROVIDENT LIFE AND CASUALTY INSURANCE COMPANY | $724 | — | $724 | 8.72% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP INSURANCE SERVICES, INC. | 1250 CAPITAL OF TEXAS HWY BLDG 2 STE 125 AUSTIN, TX 78746 | PROVIDENT LIFE AND CASUALTY INSURANCE COMPANY | $0 | $259 | $259 | 3.12% |
| BENEFITS INC3 Filed as: BENEFITS INC. | 9301 S W FREEWAY STE 270 HOUSTON, TX 77074 | PROVIDENT LIFE AND CASUALTY INSURANCE COMPANY | $0 | $60 | $60 | 0.72% |
| NFP INSURANCE SERVICES INC3 Filed as: MANAGEMENT COMPENSATION GROUP | 55 BROADWAY SUITE 701 NEW YORK, NY 10006 | PROVIDENT LIFE AND CASUALTY INSURANCE COMPANY | $789 | $541 | $1K | 18.01% |
| MCKILLOP, ROBERT, EMMETT3 | 9301 S W FREEWAY STE 270 HOUSTON, TX 77074 | PROVIDENT LIFE AND CASUALTY INSURANCE COMPANY | $562 | — | $562 | 7.61% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP INSURANCE SERVICES, INC. | 1250 CAPITAL OF TEXAS HWY BLDG 2 STE 125 AUSTIN, TX 78746 | PROVIDENT LIFE AND CASUALTY INSURANCE COMPANY | $0 | $259 | $259 | 3.51% |
| BENEFITS INC3 Filed as: BENEFITS, INC. | 9301 S W FREEWAY STE 270 HOUSTON, TX 77074 | PROVIDENT LIFE AND CASUALTY INSURANCE COMPANY | $0 | $239 | $239 | 3.24% |
| BENEFITS INC3 Filed as: BENEFITS INC. | 9301 SOUTHWEST FREEWAY SUITE 270 HOUSTON, TX 77074 | LIFE INSURANCE COMPANY OF AMERICA | $264 | — | $264 | 10.44% |
| WORTHAM SAN ANTONIO INC3 Filed as: JOHN L WORTHAM & SON LP | P O BOX 301598 DALLAS, TX 75303 | LIFE INSURANCE COMPANY OF AMERICA | $115 | — | $115 | 4.55% |
| REUBEN WARNER ASSOCIATES, INC.3 | 1655 RICHMOND AVENUE STATEN ISLAND, NY 10314 | FEDERAL INSURANCE COMPANY | $163 | — | $163 | 20.05% |
| WORTHAM SAN ANTONIO INC3 Filed as: WORTHAM INSURANCE & RISK MANAGEMENT | 2727 ALLEN PARKWAY HOUSTON, TX 77019 | FEDERAL INSURANCE COMPANY | $122 | — | $122 | 15.01% |
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 | 664 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 8 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 672 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 1,185 | $6.0M |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 1,185 | $6.0M |
| Vision | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 1,185 | $6.0M |
| Life insurance(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 664 | $1.4M |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 664 | $1.3M |
| Long-term disability(7 contracts, 3 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 664 | $2.0M |
| Prescription drug | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 1,185 | $6.0M |
| Other(5 contracts, 4 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 648 | $248K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,185 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.