| 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 | $65K | — | $65K | 7.49% |
| BENEFIT CONCEPTS INC3 | 1173 BRITTMOORE RD HOUSTON, TX 77043 | AFLAC | $4K | — | $4K | 5.62% |
| EPIC3 Filed as: EPIC BENEFITS LLC | 1235 NASA PKWY APT 1165 HOUSTON, TX 77058 | AFLAC | $3K | $249 | $3K | 4.30% |
| TIMOTHY CLARK3 | 1119 LLANO ST PASADENA, TX 77504 | AFLAC | $3K | $365 | $3K | 4.19% |
| JANET S. RENO3 Filed as: JANET RENO | 14922 DOGWOOD VIEW LN CYPRESS, TX 77429 | AFLAC | $2K | $143 | $2K | 2.83% |
| CHRISTOPHER W GRAHAM3 Filed as: CHRISTOPHER LEE INS AGENCY LLC | 27251 WESLEY CHAPEL BLVD STE B14 # 753 WESLEY CHAPEL, FL 33544 | AFLAC | $1K | $143 | $2K | 1.93% |
| KIM SMITH3 | 7815 DEERWOOD LAKE DR HUMBLE, TX 77346 | AFLAC | $1K | — | $1K | 1.88% |
| MARY H MUNOZ PHILIPS3 | 116 GARDEN DR FRIENDSWOOD, TX 77546 | AFLAC | $935 | — | $935 | 1.19% |
| JOHN A DONALDSON3 | 2004 98 PALMS BLVD UNIT 4336 DESTIN, FL 32541 | AFLAC | $397 | — | $397 | 0.51% |
| MARCUS A THOMAS3 Filed as: MARCUS THOMAS | 5303 S MASON RD APT 2524 KATY, TX 77450 | AFLAC | $303 | — | $303 | 0.39% |
| MICHAEL J THRASHER3 Filed as: MICHAEL THRASHER | 19723 DESNA DR PORTER, TX 77365 | AFLAC | $175 | — | $175 | 0.22% |
| BIANCA AGUILAR3 | 2109 MULBERRY LN PASADENA, TX 77502 | AFLAC | $158 | — | $158 | 0.20% |
| SOUTHWEST BUSINESS CORPORATION3 | 9311 SAN PEDRO AVE STE 600 SAN ANTONIO, TX 78216 | AFLAC | $38 | — | $38 | 0.05% |
| DIGITAL INSURANCE LLC3 | 200 GALLERIA PKWY SE STE 1950 ATLANTA, GA 30339 | AFLAC | $38 | — | $38 | 0.05% |
| DENNIS W CAMDEN3 Filed as: DENNIS CAMDEN | 101 N JEFFERSON ST RM 305 MEXICO, MO 65265 | AFLAC | $31 | — | $31 | 0.04% |
| MARTY JOE TURNER3 Filed as: MARTY TURNER | 1469 54TH ST COLUMBUS, GA 31904 | AFLAC | $26 | — | $26 | 0.03% |
| JOAN DANNELLY3 | 20110 AMBERVINE CIRCLE KATY, TX 77450 | AFLAC | $16 | — | $16 | 0.02% |
| TIFFANY INGRAM WALKER3 Filed as: TIFFANY WALKER | 8627 WOODS HOLLOW TRL RICHMOND, TX 77406 | AFLAC | $4 | — | $4 | 0.01% |
| BENEFIT CONCEPTS INC3 | 1173 BRITTMOORE RD. HOUSTON, TX 77043 | DEARBORN LIFE INSURANCE COMPANY | $2K | — | $2K | 14.37% |
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 | 132 | 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) | 132 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | MEMORIAL HERMANN HEALTH INSURANCE COMPANY | 210 | $866K |
| Life insurance | DEARBORN LIFE INSURANCE COMPANY | 136 | $11K |
| Other(2 contracts, 2 carriers) | AFLAC | 136 | $89K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 210 | — |
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.