| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BKCW LP3 Filed as: BKCW INS AGENCY | PO BOX 996 KILLEEN, TX 76540 | HUMANA HEALTH PLAN OF TEXAS, INC. | $32K | $347 | $33K | 3.03% |
| BKCW LP3 Filed as: BKCW INS AGENCY | PO BOX 996 KILLEEN, TX 76540 | HUMANA INSURANCE COMPANY | $3K | $500 | $4K | 11.49% |
| BKCW LP3 Filed as: BKCW INS AGENCY | PO BOX 996 KILLEEN, TX 76540 | HUMANA INSURANCE COMPANY | $12K | $250 | $12K | 102.12% |
| BKCW LP3 Filed as: BKCW INS AGENCY | PO BOX 996 KILLEEN, TX 76540 | HUMANA INSURANCE COMPANY | $894 | $500 | $1K | 15.33% |
| BKCW LP3 Filed as: BKCW INS AGENCY | PO BOX 996 KILLEEN, TX 76540 | HUMANA INSURANCE COMPANY | $1K | $750 | $2K | 25.35% |
| BKCW LP3 Filed as: BKCW INS AGENCY | PO BOX 996 KILLEEN, TX 76540 | HUMANA INSURANCE COMPANY | $0 | $0 | $0 | — |
| BKCW LP3 Filed as: BKCW INS AGENCY | PO BOX 996 KILLEEN, TX 76540 | UNION SECURITY INSURANCE COMPANY | $1K | $0 | $1K | — |
| BKCW LP3 Filed as: BKCW INS AGENCY | PO BOX 996 KILLEEN, TX 76540 | UNION SECURITY INSURANCE COMPANY | $2K | $0 | $2K | — |
| BKCW LP3 Filed as: BKCW INS AGENCY | PO BOX 996 KILLEEN, TX 76540 | UNION SECURITY INSURANCE COMPANY | $613 | $0 | $613 | — |
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 | 140 | 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. |
| Beneficiaries receiving benefits | 0 | Spouses or dependents with eligibility independent of the participant. |
| Total participants (= "Plan participants" tile) | 140 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HUMANA HEALTH PLAN OF TEXAS, INC. | 140 | $1.1M |
| Dental | HUMANA INSURANCE COMPANY | 98 | $34K |
| Vision | HUMANA INSURANCE COMPANY | 84 | $9K |
| Life insurance | HUMANA INSURANCE COMPANY | 168 | $7K |
| Short-term disability(3 contracts) | UNION SECURITY INSURANCE COMPANY | 23 | $0 |
| Other(5 contracts, 2 carriers) | HUMANA INSURANCE COMPANY | 73 | $12K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 168 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.