| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BCI INSURANCE SOLUTIONS, INC.3 | UNKNOWN LOUISE, TX 77455 | BLUECROSS BLUESHIELD OF TEXAS | $45K | $0 | $45K | 4.20% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES SOUTHWEST | 9811 KATY FREEWAY, SUITE 500 HOUSTON, TX 77024 | BLUECROSS BLUESHIELD OF TEXAS | $4K | $0 | $4K | 0.37% |
| BENEFIT CONCEPTS INC3 Filed as: BENEFIT CONCEPTS, INC. | UNKNOWN LOUISE, TX 77455 | BLUECROSS BLUESHIELD OF TEXAS | $0 | $954 | $954 | 0.09% |
| BCI INSURANCE SOLUTIONS, INC.3 Filed as: BCI INSURANCE SOLUTIONS | 800 GESSNER ROAD, SUITE 300 HOUSTON, TX 77024 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $24K | $4K | $29K | 17.79% |
| USI INSURANCE SERVICES LLC3 | PO BOX 61187 VIRGINIA BEACH, VA 23466 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $1K | $0 | $1K | 0.75% |
| GARZA ROGER JR3 Filed as: GARZA ROGER, JR. | 1322 PINE BROOK TOMBALL, TX 77375 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $9K | $0 | $9K | 15.04% |
| BCI INSURANCE SOLUTIONS, INC.3 | 800 GESSNER ROAD, SUITE 300 HOUSTON, TX 77024 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $3K | $0 | $3K | 5.59% |
| ROD INSURANCE GROUP, LLC3 | PO BOX A ELCAMPO, TX 77437 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $631 | $0 | $631 | 1.05% |
| NICHOLAS C. TURANO3 | PO BOX 79687 HOUSTON, TX 77279 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $21 | $0 | $21 | 0.03% |
| JAMES H. LEACH3 | 1603 AVENUE C, SUITE B EL CAMPO, TX 77437 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $840 | $0 | $840 | 19.99% |
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 | 157 | 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) | 157 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUECROSS BLUESHIELD OF TEXAS | 146 | $1.1M |
| Dental | UNITED OF OMAHA LIFE INSURANCE COMPANY | 157 | $161K |
| Vision | UNITED OF OMAHA LIFE INSURANCE COMPANY | 157 | $161K |
| Life insurance(2 contracts, 2 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 157 | $221K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 157 | $161K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 157 | $161K |
| Prescription drug | BLUECROSS BLUESHIELD OF TEXAS | 146 | $1.1M |
| Other(3 contracts, 3 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 157 | $225K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 157 | — |
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.