| 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 | $79K | — | $79K | 7.44% |
| BENEFIT CONCEPTS INC3 | 800 GESSNER RD STE 300 HOUSTON, TX 77024 | AFLAC | $5K | — | $5K | 4.81% |
| EPIC3 Filed as: EPIC BENEFITS LLC | 1235 NASA PKWY APT 1165 HOUSTON, TX 77058 | AFLAC | $3K | $210 | $3K | 3.49% |
| TIMOTHY CLARK3 | 1119 LLANO ST PASADENA, TX 77504 | AFLAC | $3K | $204 | $3K | 2.96% |
| JANET S. RENO3 Filed as: JANET RENO | 14922 DOGWOOD VIEW LN CYPRESS, TX 77429 | AFLAC | $2K | $136 | $2K | 2.40% |
| KIM REED SMITH3 | 7815 DEERWOOD LAKE DR HUMBLE, TX 77346 | AFLAC | $1K | — | $1K | 1.41% |
| BIANCA AGUILAR3 | 2109 MULBERRY LN PASADENA, TX 77502 | AFLAC | $1K | $98 | $1K | 1.31% |
| MARCUS A THOMAS3 Filed as: MARCUS THOMAS | 14627 CYPRESS COTTAGE CT CYPRESS, TX 77429 | AFLAC | $1K | $118 | $1K | 1.24% |
| JOHN A DONALDSON3 | 2004 98 PALMS BLVD UNIT 4336 DESTIN, FL 32541 | AFLAC | $377 | — | $377 | 0.39% |
| CHRISTOPHER W GRAHAM3 Filed as: CHRISTOPHER D LEE | 27251 WESLEY CHAPEL BLVD STE B14 PMB 753 WESLEY CHAPEL, FL 33544 | AFLAC | $299 | $25 | $324 | 0.33% |
| MARY H MUNOZ PHILIPS3 | 116 GARDEN DR FRIENDSWOOD, TX 77546 | AFLAC | $172 | $108 | $280 | 0.29% |
| CHRISTOPHER W GRAHAM3 Filed as: CHRISTOPHER LEE INS AGENCY LLC | 27251 WESLEY CHAPEL BLVD STE B14 PMB 753 WESLEY CHAPEL, FL 33544 | AFLAC | $245 | — | $245 | 0.25% |
| CARLOS D ESPINOSA3 | 17827 PUMPKIN VINE DR HOCKLEY, TX 77447 | AFLAC | $230 | — | $230 | 0.24% |
| MICHAEL J THRASHER3 | 19723 DESNA DR PORTER, TX 77365 | AFLAC | $206 | — | $206 | 0.21% |
| DIGITAL INSURANCE LLC3 | 200 GALLERIA PKWY SE STE 1950 ATLANTA, GA 30339 | AFLAC | $126 | — | $126 | 0.13% |
| DENNIS W CAMDEN3 | 101 N JEFFERSON ST RM 305 MEXICO, MO 65265 | AFLAC | $36 | — | $36 | 0.04% |
| MARTY JOE TURNER3 | PO BOX 43 MAUK, GA 31058 | AFLAC | $31 | — | $31 | 0.03% |
| CLARENCE E (GENE) DANNELLY3 | 20110 AMBERVINE CIRCLE KATY, TX 77450 | AFLAC | $19 | — | $19 | 0.02% |
| TIFFANY INGRAM WALKER3 | 8627 WOODS HOLLOW TRL RICHMOND, TX 77406 | AFLAC | $4 | — | $4 | 0.00% |
| BENEFIT CONCEPTS INC3 | 1173 BRITTMOORE RD. HOUSTON, TX 77043 | DEARBORN LIFE INSURANCE COMPANY | $649 | — | $649 | 4.61% |
| BCI INSURANCE SOLUTIONS, INC.3 Filed as: BCI INSURANCE SOLUTIONS INC | 800 GESSNER RD #300 HOUSTON, TX 77024 | DEARBORN LIFE INSURANCE COMPANY | $573 | — | $573 | 4.07% |
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 | 138 | 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) | 138 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | MEMORIAL HERMANN HEALTH INSURANCE COMPANY | 185 | $1.1M |
| Life insurance | DEARBORN LIFE INSURANCE COMPANY | 138 | $14K |
| Other(2 contracts, 2 carriers) | AFLAC | 138 | $112K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 185 | — |
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.