| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BENEFIT CONCEPTS INC3 | — | BLUE CROSS BLUE SHIELD OF TEXAS | $108K | $2K | $110K | 19.26% |
| BENEFIT CONCEPTS INC3 | 1173 BRITTMOORE RD HOUSTON, TX 77043 | DEARBORN LIFE INSURANCE COMPANY | $25K | $18K | $43K | 16.89% |
| REWH3 | 7900 LOWRY EXP TEXAS CITY, TX 77591 | FIRST CONTINENTAL LIFE AND ACCIDENT INS COMPANY | $9K | — | $9K | 9.91% |
| BENEFIT CONCEPTS INC3 | 1173 BRITTMOORE RD HOUSTON, TX 77043 | SUN LIFE ASSURANCE COMPANY OF CANADA | $41K | — | $41K | 124.68% |
| BENEFIT CONCEPTS INC3 | 1173 BRITTMOORE RD HOUSTON, TX 77043 | FIRST CONTINENTAL LIFE AND ACCIDENT INS COMPANY | $2K | — | $2K | 10.18% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| BENEFIT CONCEPTS INC EIN 76-0064452 BROKER | Insurance agents and brokers Service code 22 | 1173 BRITTMORE HOUSTON, TX 77043 | $0 |
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 | 0 | 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) | 0 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental(2 contracts) | FIRST CONTINENTAL LIFE AND ACCIDENT INS COMPANY | 165 | $112K |
| Vision | DEARBORN LIFE INSURANCE COMPANY | 296 | $255K |
| Life insurance | DEARBORN LIFE INSURANCE COMPANY | 296 | $255K |
| Long-term disability | DEARBORN LIFE INSURANCE COMPANY | 296 | $255K |
| Other(3 contracts, 3 carriers) | BLUE CROSS BLUE SHIELD OF TEXAS | 350 | $856K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 350 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.