| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MICHAEL ANDREW RIVERA3 Filed as: MICHAEL A RIVERA | 13201 NW FWY STE 265 HOUSTON, TX 770406165 | BLUECROSS BLUESHIELD OF TEXAS | $62K | — | $62K | 3.61% |
| MICHAEL ANDREW RIVERA3 Filed as: MICHAEL A RIVERA | 13201 NW FWY STE 265 HOUSTON, TX 770406165 | BLUECROSS BLUESHIELD OF TEXAS | $4K | — | $4K | 0.25% |
| MICHAEL ANDREW RIVERA3 Filed as: MICHAEL A RIVERA | 13201 NW FWY STE 265 HOUSTON, TX 770406165 | BLUECROSS BLUESHIELD OF TEXAS | $12 | — | $12 | 0.00% |
| VISIBLE CHANGES INC3 | 1303 CAMPBELL ROAD HOUSTON, TX 770556403 | BLUECROSS BLUESHIELD OF TEXAS | $4 | — | $4 | 0.00% |
| MICHAEL ANDREW RIVERA3 Filed as: MICHAEL A RIVERA | 13201 NW FWY STE265 HOUSTON, TX 77040 | HUMANA | $16K | — | $16K | 11.05% |
| MICHAEL ANDREW RIVERA3 | 13201 NW FWY STE 265 HOUSTON, TX 770406165 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $19K | — | $19K | 20.00% |
| MICHAEL ANDREW RIVERA3 | 13201 NW FWY STE 265 HOUSTON, TX 770406165 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $13K | — | $13K | 15.00% |
| MACHAEL A REVERA3 | 13201 NW FWY STE 265 HOUSTON, TX 77040 | HUMANA | $4K | — | $4K | 11.81% |
| MICHAEL ANDREW RIVERA3 | 13201 NW FWY STE 265 HOUSTON, TX 770406165 | THE LINCOLN NATIONAL INSURANCE COMPANY | $7K | — | $7K | 19.73% |
| MICHAEL ANDREW RIVERA3 | 13201 NW FWY STE 265 HOUSTON, TX 770406165 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $5K | — | $5K | 15.00% |
| MICHAEL ANDREW RIVERA3 | 13201 NW FWY STE 265 HOUSTON, TX 770406165 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $5K | — | $5K | 18.00% |
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 | 330 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 16 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 348 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUECROSS BLUESHIELD OF TEXAS | 435 | $1.7M |
| Dental(2 contracts) | HUMANA | 228 | $181K |
| Vision | HUMANA | 228 | $144K |
| Life insurance(2 contracts) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 368 | $125K |
| Short-term disability(3 contracts) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 368 | $213K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 167 | $32K |
| Other(2 contracts, 2 carriers) | THE LINCOLN NATIONAL INSURANCE COMPANY | 368 | $62K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 435 | — |
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.