| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BCI INSURANCE SOLUTIONS, INC.3 Filed as: BCI INSURANCE SOLUTIONS, INC | — | MEMORIAL HERMANN HEALTH INSURANCE COMPANY | $34K | — | $34K | 4.04% |
| BENEFIT CONCEPTS INC3 Filed as: BENEFIT CONCEPTS, INC. | — | MEMORIAL HERMANN HEALTH INSURANCE COMPANY | $14K | — | $14K | 1.66% |
| BCI INSURANCE SOLUTIONS, INC.3 Filed as: BCI INSURANCE SOLUTIONS INC | 800 GESSNER RD STE 300 HOUSTON, TX 77024 | AFLAC | $5K | — | $5K | 5.59% |
| EPIC3 Filed as: EPIC BENEFITS LLC | 1235 NASA PKWY APT 1165 HOUSTON, TX 77058 | AFLAC | $2K | $290 | $3K | 3.06% |
| TIMOTHY CLARK3 | 1119 LLANO ST PASADENA, TX 77504 | AFLAC | $2K | $287 | $2K | 2.69% |
| ANA J KELLY3 | 2040 NORTH LOOP W STE 12 HOUSTON, TX 77018 | AFLAC | $2K | — | $2K | 2.23% |
| KIM REED SMITH3 | 7815 DEERWOOD LAKE DR HUMBLE, TX 77346 | AFLAC | $1K | — | $1K | 1.14% |
| CARLOS D ESPINOSA3 | 17827 PUMPKIN VINE DR HOCKLEY, TX 77447 | AFLAC | $749 | $113 | $862 | 0.98% |
| JANET S. RENO3 Filed as: JANET RENO | 14922 DOGWOOD VIEW LN CYPRESS, TX 77429 | AFLAC | $760 | — | $760 | 0.86% |
| CHRISTOPHER T KELLY3 | 2040 NORTH LOOP W STE 12 HOUSTON, TX 77018 | AFLAC | $623 | — | $623 | 0.70% |
| JOHN ELLIOTT SCHOLVIN3 | 2040 NORTH LOOP W HOUSTON, TX 77018 | AFLAC | $567 | — | $567 | 0.64% |
| JOHN A DONALDSON3 | 2004 98 PALMS BLVD UNIT 4336 DESTIN, FL 32541 | AFLAC | $323 | — | $323 | 0.37% |
| BENEFIT CONCEPTS INC3 | 800 GESSNER RD STE 300 HOUSTON, TX 77024 | AFLAC | $281 | — | $281 | 0.32% |
| CHRISTOPHER W GRAHAM3 Filed as: CHRISTOPHER D LEE | 837 SE COURANCES DR PORT ST LUCIE, FL 34984 | AFLAC | $200 | — | $200 | 0.23% |
| MARCUS A THOMAS3 | 14627 CYPRESS COTTAGE CT CYPRESS, TX 77429 | AFLAC | $182 | — | $182 | 0.21% |
| MICHAEL J THRASHER3 | 19723 DESNA DR PORTER, TX 77365 | AFLAC | $175 | — | $175 | 0.20% |
| MARY H MUNOZ PHILIPS3 | 116 GARDEN DR FRIENDSWOOD, TX 77546 | AFLAC | $147 | — | $147 | 0.17% |
| CHRISTOPHER W GRAHAM3 Filed as: CHRISTOPHER LEE INS AGENCY LLC | 837 SE COURANCES DR PORT ST LUCIE, FL 34984 | AFLAC | $133 | — | $133 | 0.15% |
| EDWARD WRENN3 | 15255 VINTAGE PRESERVE PKWY APT 1429 HOUSTON, TX 77070 | AFLAC | $110 | — | $110 | 0.12% |
| BCI INSURANCE SOLUTIONS, INC.3 Filed as: BCI INSURANCE SOLUTIONS INC | 16420 PARK TEN PL STE 440 HOUSTON, TX 77084 | AFLAC | $83 | — | $83 | 0.09% |
| BIANCA AGUILAR3 Filed as: BIANCA MARIE AGUILAR | 2109 MULBERRY LN PASADENA, TX 77502 | AFLAC | $60 | — | $60 | 0.07% |
| DOMINIQUE PALACIOS3 | 1109 ARLINGTON ST HOUSTON, TX 77008 | AFLAC | $35 | — | $35 | 0.04% |
| DENNIS W CAMDEN3 | 101 N JEFFERSON ST RM 305 MEXICO, MO 65265 | AFLAC | $31 | — | $31 | 0.04% |
| MARTY JOE TURNER3 | PO BOX 43 MAUK, GA 31058 | AFLAC | $26 | — | $26 | 0.03% |
| DIGITAL INSURANCE LLC3 | 200 GALLERIA PKWY SE STE 1950 ATLANTA, GA 30339 | AFLAC | $23 | — | $23 | 0.03% |
| JULIANA KELLY3 | 1109 ARLINGTON ST HOUSTON, TX 77008 | AFLAC | $19 | — | $19 | 0.02% |
| CLARENCE E (GENE) DANNELLY3 | 20110 AMBERVINE CIRCLE KATY, TX 77450 | AFLAC | $16 | — | $16 | 0.02% |
| TIFFANY INGRAM WALKER3 | 8627 WOODS HOLLOW TRL RICHMOND, TX 77406 | AFLAC | $4 | — | $4 | 0.00% |
| BENEFIT CONCEPTS INC3 | 800 GESSNER RD #300 HOUSTON, TX 770244544 | HUMANA INSURANCE COMPANY | $7K | $802 | $8K | 10.34% |
| BCI INSURANCE SOLUTIONS, INC.3 Filed as: BCI INSURANCE SOLUTIONS INC | 800 GESSNER RD #300 HOUSTON, TX 77024 | DEARBORN LIFE INSURANCE COMPANY | $1K | — | $1K | 10.46% |
| BENEFIT CONCEPTS INC3 | 800 GESSNER RD #300 HOUSTON, TX 770244544 | DENTICARE, INC. | $815 | $398 | $1K | 13.47% |
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 | 116 | 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) | 116 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | MEMORIAL HERMANN HEALTH INSURANCE COMPANY | 219 | $830K |
| Dental(2 contracts, 2 carriers) | HUMANA INSURANCE COMPANY | 96 | $82K |
| Vision | HUMANA INSURANCE COMPANY | 96 | $73K |
| Life insurance | DEARBORN LIFE INSURANCE COMPANY | 136 | $12K |
| Other(2 contracts, 2 carriers) | AFLAC | 136 | $100K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 219 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.