| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BENEFIT CONCEPTS INC | 1173 BRITTMORE HOUSTON, TX 77043 | BLUECROSS BLUESHIELD OF TEXAS | $47K | $1K | $48K | 4.58% |
| BENEFIT CONCEPTS INC Filed as: BENEFIT CONCEPTS, INC | 1173 BRITTMORE HOUSTON, TX 77043 | UNITED CONCORDIA INSURANCE CO | $7K | — | $7K | 8.32% |
| RUST EWING WATT & HANEY Filed as: RUST EWING WATT & HANEY INC | 7900 EMMETT F LOWRY EXPRESSWAY TEXAS CITY, TX 775912497 | METROPOLITAN LIFE INSURANCE CO | $2K | — | $2K | 10.06% |
| VISICOR INC Filed as: VISICOR, INC | 1776 YORKTOWN, SUITE 140 HOUSTON, TX 77056 | DEARBORN NATIONAL LIFE INSURANCE CO | $12K | — | $12K | 57.58% |
| MARSH & MCLENNAN AGENCY LLC | 2500 CITY WEST BLVD, SUITE 2400 HOUSTON, TX 77042 | DEARBORN NATIONAL LIFE INSURANCE CO | $9K | — | $9K | 42.42% |
| VISICOR INC Filed as: VISICOR, INC | 1776 YORKTOWN SUITE 140 HOUSTON, TX 77056 | DEARBORN NATIONAL LIFE INSURANCE CO | $2K | — | $2K | 12.28% |
| MARSH & MCLENNAN AGENCY LLC | 2500 CITY WEST BLVD SUITE 2400 HOUSTON, TX 77042 | DEARBORN NATIONAL LIFE INSURANCE CO | $2K | — | $2K | 9.97% |
| VISICOR INC | 2500 CITY WEST BLVD HOUSTON, TX 77042 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $9K | — | $9K | — |
| LYNDA TANNER | P O BOX 1225 SEABROOK, TX 77586 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $4K | — | $4K | — |
| PROFESSIONAL ENROLLMENT CONCEPTS | 7922 WESTGLEN DRIVE HOUSTON, TX 77063 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2K | — | $2K | — |
| SHARON LEA HART | P O BOX 1872 HILLTOP LAKES, TX 77871 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2K | $33 | $2K | — |
| DARIN POTTS | 510 BERING HOUSTON, TX 77057 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $766 | $514 | $1K | — |
| SA GENERAL AGENCY INC | 9385 MILLER LANE GARDEN RIDGE, TX 78266 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $789 | — | $789 | — |
| RUST EWING WATT & HANEY | 7900 LOWRY EXPRESSWAY TEXAS CITY, TX 77591 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $490 | — | $490 | — |
| MICHAEL SNYDER Filed as: MICHAEL J SNYDER | 19518 KILBOURN RD HARLINGEN, TX 78550 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $30 | — | $30 | — |
| HORIZON BENEFITS LLC | 9385 MILLER LANE HOUSTON, TX 78266 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $30 | — | $30 | — |
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 | 173 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 173 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUECROSS BLUESHIELD OF TEXAS | 173 | $1.0M |
| Dental(2 contracts, 2 carriers) | UNITED CONCORDIA INSURANCE CO | 397 | $109K |
| Vision | METROPOLITAN LIFE INSURANCE CO | 337 | $23K |
| Life insurance | METROPOLITAN LIFE INSURANCE CO | 337 | $23K |
| Short-term disability | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 146 | $0 |
| Other(3 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE CO | 337 | $64K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 397 | — |
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."
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.