| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BCI INSURANCE SOLUTIONS, INC.3 Filed as: BCI INSURANCE SOLUTIONS, INC | UNKNOWN HOUSTON, TX 77051 | BLUECROSS AND BLUESHIELD OF TEXAS | $92K | $0 | $92K | 4.50% |
| BCI INSURANCE SOLUTIONS, INC.3 Filed as: BCI INSURANCE SOLUTIONS, INC | 1173 BRITTMOORE HOUSTON, TX 77043 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $33K | $0 | $33K | 15.00% |
| CENTRO BENEFITS RESEARCH LLC3 | 325 NORTH KIRKWOOD ROAD, SUITE 300 KIRKWOOD, MO 63122 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $11K | $0 | $11K | 5.00% |
| UNKNOWN3 | UNKNOWN HOUSTON, TX 77051 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $0 | $3K | $3K | 1.49% |
| BENEFIT CONCEPTS INC3 | 800 GESSNER ROAD, SUITE 300 HOUSTON, TX 77024 | SUN LIFE ASSURANCE COMPANY OF CANADA | $2K | $0 | $2K | 5.39% |
| BCI INSURANCE SOLUTIONS, INC.3 Filed as: BCI INSURANCE SOLUTIONS INC | 800 GESSNER ROAD, SUITE 300 HOUSTON, TX 77043 | SUN LIFE ASSURANCE COMPANY OF CANADA | $1K | $0 | $1K | 4.76% |
| CENTRO BENEFITS RESEARCH LLC3 | 325 NORTH KIRKWOOD ROAD, SUITE 300 KIRKWOOD, MO 63122 | SUN LIFE ASSURANCE COMPANY OF CANADA | $0 | $310 | $310 | 1.03% |
| BCI INSURANCE SOLUTIONS, INC.3 Filed as: BCI INSURANCE SOLUTIONS, INC | 800 GESSNER ROAD, SUITE 300 HOUSTON, TX 77043 | VISION SERVICE PLAN | $833 | $0 | $833 | 5.01% |
| BENEFIT CONCEPTS INC3 Filed as: BENEFIT CONCEPTS INC. | 800 GESSNER ROAD, SUITE 300 HOUSTON, TX 77024 | VISION SERVICE PLAN | $430 | $0 | $430 | 2.59% |
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 | 192 | 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) | 192 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUECROSS AND BLUESHIELD OF TEXAS | 210 | $2.0M |
| Dental | SUN LIFE ASSURANCE COMPANY OF CANADA | 57 | $30K |
| Vision | VISION SERVICE PLAN | 105 | $17K |
| Life insurance | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 192 | $220K |
| Long-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 192 | $220K |
| Prescription drug | BLUECROSS AND BLUESHIELD OF TEXAS | 210 | $2.0M |
| Other(2 contracts, 2 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 204 | $225K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 210 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
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.