| 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 | BLUE CROSS AND BLUE SHIELD OF TEXAS | $40K | $0 | $40K | 5.38% |
| CORE BENEFIT SERVICES INC3 Filed as: CORE BENEFIT SERVICES, INC. | 8554 KATY FREEWAY, SUITE 100 HOUSTON, TX 77024 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $14K | $1K | $16K | 12.92% |
| ROGER GARZA3 | 1322 PINE BROOK TOMBALL, TX 77375 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $6K | $0 | $6K | 4.69% |
| ROGER GARZA3 Filed as: ROGER GARZA JR. | 1322 PINE BROOK TOMBALL, TX 77375 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $8K | $0 | $8K | 16.86% |
| BENEFIT CONCEPTS INC3 | 1173 BRITTMOORE ROAD HOUSTON, TX 77043 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $3K | $0 | $3K | 7.02% |
| ROD INSURANCE GROUP, LLC3 Filed as: ROD INSURANCE GROUP LLC | PO BOX A EL CAMPO, TX 77437 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $496 | $0 | $496 | 1.08% |
| NICHOLAS C. TURANO3 | PO BOX 79687 HOUSTON, TX 77279 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $80 | $0 | $80 | 0.17% |
| JAMES H. LEACH3 | 1603 SUITE B, AVENUE C EL CAMPO, TX 77437 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $2K | $0 | $2K | 20.00% |
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 | 130 | 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) | 130 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS AND BLUE SHIELD OF TEXAS | 151 | $752K |
| Dental | UNITED OF OMAHA LIFE INSURANCE COMPANY | 130 | $121K |
| Vision | UNITED OF OMAHA LIFE INSURANCE COMPANY | 130 | $121K |
| Life insurance(2 contracts, 2 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 130 | $167K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 130 | $121K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 130 | $121K |
| Prescription drug | BLUE CROSS AND BLUE SHIELD OF TEXAS | 151 | $752K |
| Other(3 contracts, 3 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 130 | $177K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 151 | — |
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.