| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CORE BENEFIT SERVICES INC3 Filed as: CORE BENEFIT SERVICES, INC. | 8554 KATY FWY, STE 100 HOUSTON, TX 77024 | MEMORIAL HERMANN HEALTH INSURANCE COMPANY | $45K | — | $45K | 5.00% |
| ROGER GARZA3 Filed as: ROGER GARZA JR | 1322 PINE BROOK TOMBALL, TX 77375 | ALLSTATE BENEFITS | $18K | — | $18K | 18.69% |
| CORE BENEFIT SERVICES INC3 Filed as: CORE BENEFIT SERVISES | 8554 KATY FWY STE 100 HOUSTON, TX 77024 | ALLSTATE BENEFITS | $11K | — | $11K | 11.65% |
| NICHOLAS C. TURANO3 Filed as: NICHOLAS C TURANO | PO BOX 79687 HOUSTON, TX 77279 | ALLSTATE BENEFITS | $740 | — | $740 | 0.75% |
| ROGER GARZA3 Filed as: ROGER C GARZA JR | 1322 BINE BROOK TOMBALL, TX 77375 | ALLSTATE BENEFITS | $3K | — | $3K | 22.87% |
| CORE BENEFIT SERVICES INC Filed as: CORE BENEFIT SERVICES, INC | 8554 KATY FREEWAY STE 100 HOUSTON, TX 77024 | ALLSTATE BENEFITS | $2K | — | $2K | 14.52% |
| NICHOLAS C. TURANO3 Filed as: NICHOLAS C TURANO | PO BOX 79687 HOUSTON, TX 77279 | ALLSTATE BENEFITS | $69 | — | $69 | 0.47% |
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 | 301 | 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) | 301 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | MEMORIAL HERMANN HEALTH INSURANCE COMPANY | 235 | $995K |
| Life insurance | ALLSTATE BENEFITS | 122 | $98K |
| Other | ALLSTATE BENEFITS | 122 | $15K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 235 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.