| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BCI INSURANCE SOLUTIONS, INC.3 | 800 GESSNER HOUSTON, TX 77024 | BLUECROSS BLUESHIELD OF TEXAS | $96K | — | $96K | 3.17% |
| BENEFIT CONCEPTS INC3 Filed as: BENEFIT CONCEPTS INC. | 1173 BRITTMORE HOUSTON, TX 77043 | BLUECROSS BLUESHIELD OF TEXAS | $46K | $2K | $48K | 1.59% |
| BCI INSURANCE SOLUTIONS, INC.3 | 800 GESSNER HOUSTON, TX 77024 | HARTFORD LIFE AND ACCIDENT | $23K | — | $23K | 15.00% |
| BCI INSURANCE SOLUTIONS, INC.3 | 800 GESSNER HOUSTON, TX 77024 | PRINCIPAL LIFE INSURANCE COMPANY | $878 | $220 | $1K | 6.84% |
| BENEFIT CONCEPTS INC3 Filed as: BENEFIT CONCEPTS INC. | 17602 EMPRESS COVE LN. TOMBALL, TX 77377 | PRINCIPAL LIFE INSURANCE COMPANY | $601 | — | $601 | 3.74% |
| CENTRO BENEFITS RESEARCH LLC | 200 GALLERIA PKWY SE STE 1950 ATLANTA, GA 30339 | PRINCIPAL LIFE INSURANCE COMPANY | — | $439 | $439 | 2.74% |
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 | 314 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 314 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUECROSS BLUESHIELD OF TEXAS | 534 | $3.0M |
| Dental | BLUECROSS BLUESHIELD OF TEXAS | 534 | $3.0M |
| Vision | PRINCIPAL LIFE INSURANCE COMPANY | 244 | $16K |
| Life insurance | HARTFORD LIFE AND ACCIDENT | 314 | $151K |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 314 | $151K |
| Prescription drug | BLUECROSS BLUESHIELD OF TEXAS | 534 | $3.0M |
| Other | HARTFORD LIFE AND ACCIDENT | 314 | $151K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 534 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
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.