| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CORE BENEFIT SERVICES INC3 Filed as: CORE BENEFIT SERVICES, INC. | 8554 KATY FREEWAY, SUITE 100 HOUSTON, TX 77024 | BLUECROSS BLUESHIELD OF TEXAS | $29K | $711 | $30K | 5.02% |
| CORE BENEFIT SERVICES INC3 Filed as: CORE BENEFIT SERVICES, INC. | 8554 KATY FREEWAY, SUITE 100 HOUSTON, TX 77024 | PRINCIPAL LIFE INSURANCE COMPANY | $3K | $229 | $3K | 7.57% |
| ROGERS BENEFIT GROUP INC3 Filed as: ROGERS BENEFIT GROUP, INC. | 5110 NORTH 40TH STREET, SUITE 234 PHOENIX, AZ 85018 | PRINCIPAL LIFE INSURANCE COMPANY | $1K | — | $1K | 2.84% |
| ROGER GARZA3 Filed as: ROGER GARZA, JR. | 1322 PINE BROOK TOMBALL, TX 77375 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $5K | — | $5K | 14.16% |
| CORE BENEFIT SERVICES INC3 Filed as: CORE BENEFIT SERVICES, INC. | 8554 KATY FREEWAY, SUITE 100 HOUSTON, TX 77024 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $3K | — | $3K | 7.53% |
| ROD INSURANCE GROUP, LLC3 | PO BOX A ELCAMP, TX 77437 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $781 | — | $781 | 2.19% |
| NICOLAS C. TURANO3 | PO BOX 79687 HOUSTON, TX 77279 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $50 | — | $50 | 0.14% |
| CORE BENEFIT SERVICES INC3 Filed as: CORE BENEFIT SERVICES, INC. | 8554 KATY FREEWAY, SUITE 100 HOUSTON, TX 77024 | DEARBORN NATIONAL LIFE INSURANCE COMPANY | $4K | $1K | $5K | 19.99% |
| JAMES H. LEACH3 | 1603 AVENUE C, SUITE B EL CAMPO, TX 77437 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $2K | — | $2K | 20.07% |
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 | 101 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 5 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 106 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | BLUECROSS BLUESHIELD OF TEXAS | 109 | $636K |
| Dental | PRINCIPAL LIFE INSURANCE COMPANY | 122 | $37K |
| Vision | PRINCIPAL LIFE INSURANCE COMPANY | 122 | $37K |
| Life insurance(3 contracts, 3 carriers) | PRINCIPAL LIFE INSURANCE COMPANY | 122 | $99K |
| Long-term disability | DEARBORN NATIONAL LIFE INSURANCE COMPANY | 94 | $26K |
| Prescription drug | BLUECROSS BLUESHIELD OF TEXAS | 109 | $600K |
| Other(4 contracts, 4 carriers) | PRINCIPAL LIFE INSURANCE COMPANY | 122 | $109K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 122 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.