| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BCI INSURANCE SOLUTIONS, INC.3 Filed as: BCI INSURANCE SOLUTIONS, INC | 800 GESSNER ROAD, SUITE 300 HOUSTON, TX 77024 | MEMORIAL HERMANN HEALTH INSURANCE COMPANY | $84K | — | $84K | 6.97% |
| BCI INSURANCE SOLUTIONS, INC.3 Filed as: BCI INSURANCE SOLUTIONS INC | 800 GESSNER RD STE 300 HOUSTON, TX 77024 | AFLAC | $7K | $75 | $7K | 5.98% |
| ANA J KELLY3 | 2040 NORTH LOOP W STE 12 HOUSTON, TX 77018 | AFLAC | $4K | $511 | $5K | 3.95% |
| CHRISTOPHER T KELLY3 | 2040 NORTH LOOP W STE 12 HOUSTON, TX 77018 | AFLAC | $2K | $252 | $2K | 1.63% |
| JOHN ELLIOTT SCHOLVIN3 | 2040 NORTH LOOP W HOUSTON, TX 77018 | AFLAC | $2K | $321 | $2K | 1.63% |
| EPIC3 Filed as: EPIC BENEFITS LLC | 1235 NASA PKWY APT 1165 HOUSTON, TX 77058 | AFLAC | $1K | — | $1K | 1.16% |
| KIM REED SMITH3 | 7815 DEERWOOD LAKE DR HUMBLE, TX 77346 | AFLAC | $1K | — | $1K | 0.86% |
| JANET RENO3 | 14922 DOGWOOD VIEW LN CYPRESS, TX 77429 | AFLAC | $777 | — | $777 | 0.66% |
| EDWARD WRENN3 | 15255 VINTAGE PRESERVE PKWY APT 1429 HOUSTON, TX 77070 | AFLAC | $379 | $32 | $411 | 0.35% |
| JOHN A DONALDSON3 | 2004 98 PALMS BLVD UNIT 4336 DESTIN, FL 32541 | AFLAC | $317 | — | $317 | 0.27% |
| DOMINIQUE PALACIOS3 | 1109 ARLINGTON ST HOUSTON, TX 77008 | AFLAC | $266 | $43 | $309 | 0.26% |
| CARLOS D ESPINOSA3 | 17827 PUMPKIN VINE DR HOCKLEY, TX 77447 | AFLAC | $287 | — | $287 | 0.24% |
| BCI INSURANCE SOLUTIONS, INC.3 Filed as: BCI INSURANCE SOLUTIONS INC | 16420 PARK TEN PL STE 440 HOUSTON, TX 77084 | AFLAC | $276 | — | $276 | 0.24% |
| MICHAEL J THRASHER3 | 19723 DESNA DR PORTER, TX 77365 | AFLAC | $206 | — | $206 | 0.18% |
| CHRISTOPHER LEE INS AGENCY LLC3 Filed as: CHRISTOPHER D LEE | 759 FW FEDERAL HWY STE 218 STUART, FL 34994 | AFLAC | $199 | — | $199 | 0.17% |
| ALLISON M PALACIOS3 | 15319 HICKORY DALE ST CYPRESS, TX 77429 | AFLAC | $180 | — | $180 | 0.15% |
| MARCUS A THOMAS3 | 14627 CYPRESS COTTAGE CT CYPRESS, TX 77429 | AFLAC | $176 | — | $176 | 0.15% |
| CHRISTOPHER D LEE INS AGENCY3 | 759 SW FEDERAL HWY STE 218 STUART, FL 34994 | AFLAC | $139 | — | $139 | 0.12% |
| MARY H MUNOZ PHILIPS3 | 116 GARDEN DR FRIENDSWOOD, TX 77546 | AFLAC | $136 | — | $136 | 0.12% |
| TIMOTHY G CLARK3 | 1119 LLANO ST PASADENA, TX 77504 | AFLAC | $82 | — | $82 | 0.07% |
| DIEGO ANTONIO MONTES3 | 3125 CRESTDALE DR # 1132 HOUSTON, TX 77080 | AFLAC | $68 | — | $68 | 0.06% |
| BRANDON WILLIAM DUSWALT3 | 25222 NORTHWEST FRW 174 CYPRESS, TX 77429 | AFLAC | $56 | — | $56 | 0.05% |
| JULIANA KELLY3 | 1109 ARLINGTON ST HOUSTON, TX 77008 | AFLAC | $44 | — | $44 | 0.04% |
| DENNIS W CAMDEN3 | 101 N JEFFERSON ST RM 305 MEXICO, MO 65265 | AFLAC | $36 | — | $36 | 0.03% |
| 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% |
| BCI INSURANCE SOLUTIONS, INC.3 Filed as: BCI INSURANCE SOLUTIONS INC | SUITE 300 800 GESSNER ROAD HOUSTON, TX 770244544 | HUMANA INSURANCE COMPANY | $6K | $1K | $7K | 10.21% |
| BENEFIT CONCEPTS INC3 | 800 GESSNER RD #300 HOUSTON, TX 770244544 | HUMANA INSURANCE COMPANY | $1K | $279 | $1K | 1.83% |
| EPIC3 Filed as: EPIC BENEFITS LLC | 1119 LLANO ST PASADENA, TX 77504 | TRANSAMERICA LIFE INSURANCE COMPANY | $3K | — | $3K | 8.77% |
| RUST EWING WATT & HANEY INC3 | 7900 EMMETT F LOWRY EXPRESSWAY TEXAS CITY, TX 77591 | TRANSAMERICA LIFE INSURANCE COMPANY | $2K | — | $2K | 5.73% |
| KEY BENEFIT SOLUTIONS INC3 | 2318 LEGENDS SHORE DRIVE SPRING, TX 77386 | TRANSAMERICA LIFE INSURANCE COMPANY | $1K | — | $1K | 3.50% |
| WAV BENEFIT ADVISORS INC3 | 15550 E COPPER CREEK LANE PARKER, CO 80134 | TRANSAMERICA LIFE INSURANCE COMPANY | $361 | — | $361 | 1.00% |
| BCI INSURANCE SOLUTIONS, INC.3 Filed as: BCI INSURANCE SOLUTIONS INC | 800 GESSNER RD #300 HOUSTON, TX 77024 | DEARBORN LIFE INSURANCE COMPANY | $1K | — | $1K | 9.94% |
| BCI INSURANCE SOLUTIONS, INC.3 Filed as: BCI INSURANCE SOLUTIONS INC | SUITE 300 800 GESSNER ROAD HOUSTON, TX 770244544 | DENTICARE, INC. | $470 | $399 | $869 | 14.66% |
| BENEFIT CONCEPTS INC3 | 800 GESSNER RD #300 HOUSTON, TX 770244544 | DENTICARE, INC. | $160 | $101 | $261 | 4.40% |
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 | 175 | 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) | 175 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | MEMORIAL HERMANN HEALTH INSURANCE COMPANY | 175 | $1.2M |
| Dental(2 contracts, 2 carriers) | HUMANA INSURANCE COMPANY | 163 | $79K |
| Vision | HUMANA INSURANCE COMPANY | 163 | $73K |
| Life insurance(3 contracts, 3 carriers) | AFLAC | 109 | $166K |
| Other(2 contracts, 2 carriers) | AFLAC | 109 | $130K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 175 | — |
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.