| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BCI INSURANCE SOLUTIONS, INC.3 | 800 GESSNER ROAD, STE. 300 HOUSTON, TX 77024 | HEALTH CARE SERVICE CORPORATION | $33K | $0 | $33K | 4.49% |
| HIGGINBOTHAM INS AGENCY INC3 Filed as: HIGGINBOTHAM INSURANCE AGENCY | PO BOX 908 FORT WORTH, TX 76101 | HEALTH CARE SERVICE CORPORATION | $6K | $0 | $6K | 0.85% |
| BCI INSURANCE SOLUTIONS, INC.3 | 800 GESSNER ROAD, STE. 300 HOUSTON, TX 77024 | PRINCIPAL LIFE INSURANCE COMPANY | $15K | $6K | $21K | 13.38% |
| CENTRO BENEFITS RESEARCH LLC3 Filed as: CENTRO BENEFITS RESEARCH, LLC | 200 GALLERIA PKWY SE, STE. 1950 ATLANTA, GA 30339 | PRINCIPAL LIFE INSURANCE COMPANY | $0 | $6K | $6K | 3.93% |
| HIGGINBOTHAM INS AGENCY INC3 Filed as: HIGGINBOTHAM INSURANCE AGENCY | PO BOX 908 FORT WORTH, TX 76101 | PRINCIPAL LIFE INSURANCE COMPANY | $3K | $0 | $3K | 1.86% |
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 | 151 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 152 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HEALTH CARE SERVICE CORPORATION | 207 | $743K |
| Dental | PRINCIPAL LIFE INSURANCE COMPANY | 207 | $153K |
| Vision | PRINCIPAL LIFE INSURANCE COMPANY | 207 | $153K |
| Life insurance | PRINCIPAL LIFE INSURANCE COMPANY | 207 | $153K |
| Short-term disability | PRINCIPAL LIFE INSURANCE COMPANY | 207 | $153K |
| Long-term disability | PRINCIPAL LIFE INSURANCE COMPANY | 207 | $153K |
| Other | PRINCIPAL LIFE INSURANCE COMPANY | 207 | $153K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 207 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
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.