| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BENEFIT CONCEPTS INC3 Filed as: BENEFIT CONCEPTS, INC. | 1173 BRITTMOORE RD HOUSTON, TX 77043 | MEMORIAL HERMANN HEALTH INSURANCE COMPANY | $57K | — | $57K | 7.57% |
| EPIC3 Filed as: EPIC BENEFITS LLC | 1235 NASA PKWY APT 1165 HOUSTON, TX 77058 | AFLAC | $5K | $243 | $5K | 5.29% |
| BENEFIT CONCEPTS INC3 | 1173 BRITTMOORE RD HOUSTON, TX 77043 | AFLAC | $4K | — | $4K | 4.23% |
| KIM REED SMITH3 | 7815 DEERWOOD LAKE DR HUMBLE, TX 77346 | AFLAC | $3K | $57 | $3K | 3.44% |
| TIMOTHY G CLARK3 | 1235 NASA PKWY APT 1165 HOUSTON, TX 77058 | AFLAC | $1K | — | $1K | 1.33% |
| CHRISTOPHER W GRAHAM3 Filed as: CHRISTOPHER LEE INS AGENCY LLC | 27251 WESLEY CHAPEL BLVD STE B14 # 753 WESLEY CHAPEL, FL 33544 | AFLAC | $1K | $57 | $1K | 1.07% |
| JOHN A DONALDSON3 | 2004 98 PALMS BLVD UNIT 4336 DESTIN, FL 32541 | AFLAC | $754 | — | $754 | 0.74% |
| JANET S. RENO3 Filed as: JANET S RENO | 14922 DOGWOOD VIEW LN CYPRESS, TX 77429 | AFLAC | $485 | — | $485 | 0.48% |
| CHRISTOPHER W GRAHAM3 Filed as: CHRISTOPHER D LEE | 27251 WESLEY CHAPEL BLVD STE B14 # 753 WESLEY CHAPEL, FL 33544 | AFLAC | $316 | — | $316 | 0.31% |
| MICHAEL J THRASHER3 | 19723 DESNA DR PORTER, TX 77365 | AFLAC | $222 | — | $222 | 0.22% |
| MARY H MUNOZ PHILIPS3 | 116 GARDEN DR FRIENDSWOOD, TX 77546 | AFLAC | $85 | — | $85 | 0.08% |
| DENNIS W CAMDEN3 | 101 N JEFFERSON ST RM 305 MEXICO, MO 65265 | AFLAC | $39 | — | $39 | 0.04% |
| MARTY JOE TURNER3 | 209 WATERFORD DR CATAULA, GA 31804 | AFLAC | $33 | — | $33 | 0.03% |
| CLARENCE E (GENE) DANNELLY3 | 20110 AMBERVINE CIRCLE KATY, TX 77450 | AFLAC | $21 | — | $21 | 0.02% |
| TIFFANY INGRAM WALKER3 | 8627 WOODS HOLLOW TRL RICHMOND, TX 77406 | AFLAC | $4 | — | $4 | 0.00% |
| BENEFIT CONCEPTS INC3 | 1173 BRITTMOORE ROAD HOUSTON, TX 77043 | DEARBORN LIFE INSURANCE COMPANY | $1K | — | $1K | 14.95% |
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 | 105 | 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) | 105 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | MEMORIAL HERMANN HEALTH INSURANCE COMPANY | 160 | $756K |
| Life insurance | DEARBORN LIFE INSURANCE COMPANY | 130 | $9K |
| Other(2 contracts, 2 carriers) | AFLAC | 130 | $111K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 160 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.