| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CORE BENEFIT SERVICES INC3 Filed as: CORE BENEFIT SERVICES, INC. | 8554 KATY FREEWAY SUITE 100 HOUSTON, TX 77024 | BLUECROSS BLUESHIELD OF TEXAS | — | $16K | $16K | 0.05% |
| HPHG LLC3 Filed as: HPHG, LLC | 4401 82ND STREET UNIT 1200 LUBBOCK, TN 79424 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $170K | — | $170K | 8.55% |
| CAPROCK HEALTHPLANS3 | 4401 82ND STREET UNIT 1200 LUBBOCK, TX 79424 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $73K | $73K | 3.68% |
| BENEFIT CONCEPTS INC3 Filed as: BENEFIT CONCEPTS, INC. | 1173 BRITTMOORE ROAD HOUSTON, TX 77043 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $36K | $36K | 1.81% |
| BENEFIT CONCEPT INC3 Filed as: BENEFIT CONCEPT, INC. | 1173 BRITTMOORE ROAD HOUSTON, TX 77043 | METROPOLITAN LIFE INSURANCE COMPANY | $107K | $7K | $114K | 8.50% |
| HPHG LLC3 | 4401 82ND STREET LUBBOCK, TX 79424 | METROPOLITAN LIFE INSURANCE COMPANY | — | $15K | $15K | 1.15% |
| TEXAS INSURANCE NETWORK, INC.3 | 8554 KATY FREEWAY SUITE 100 HOUSTON, TX 77024 | METROPOLITAN LIFE INSURANCE COMPANY | — | $15K | $15K | 1.11% |
| HPHG LLC3 | 4401 82 SREET SUITE 1200 LUBBOCK, TX 79424 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $44K | — | $44K | 16.80% |
| ASSUREDPARTNERS3 Filed as: ASSURED PARTNERS OF HOUSTON, LLC | 13750 SAN PEDRO AVENUE SUITE 550 SAN ANTONIO, TX 78232 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $40 | — | $40 | 0.02% |
| JAMES RICE3 | 5749 SEA BREEZE LANE FORT WORTH, TX 76135 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $14 | — | $14 | 0.01% |
| BRYAN INGLIS3 | 104 PENNS WAY SHAVANO PARK, TX 78231 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $6 | — | $6 | 0.00% |
| ROSEMARY CHOI3 | 5442 MCCULLOCH CIRCLE HOUSTON, AK 77056 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $4 | — | $4 | 0.00% |
| BRENNAN BAKER3 | 6200 SAVOY DRIVE SUITE 345 HOUSTON, TX 77036 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $3 | — | $3 | 0.00% |
| ALLEN COMMODORE BAKER3 Filed as: ALLEN BAKER COMMODORE | 6200 SAVOY DRIVE SUITE 345 HOUSTON, TX 77036 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $2 | — | $2 | 0.00% |
| BENEFIT CONCEPT INC3 Filed as: BENEFIT CONCEPT, INC. | 1173 BRITTMOORE ROAD HOUSTON, TX 77043 | SAFEGUARD HEALTH PLANS, INC. A TEXAS CORPORATION | $1K | $115 | $2K | 8.71% |
| HPHG LLC3 | 4401 82ND STREET LUBBOCK, TX 79424 | SAFEGUARD HEALTH PLANS, INC. A TEXAS CORPORATION | — | $212 | $212 | 1.20% |
| TEXAS INSURANCE NETWORK, INC.3 | 8554 KATY FREEWAY SUITE 100 HOUSTON, TX 77024 | SAFEGUARD HEALTH PLANS, INC. A TEXAS CORPORATION | — | $186 | $186 | 1.05% |
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 | 2,646 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 22 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 2,668 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUECROSS BLUESHIELD OF TEXAS | 4,014 | $29.4M |
| Dental(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 4,291 | $1.4M |
| Vision(2 contracts, 2 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 3,444 | $2.2M |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 3,444 | $2.0M |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 3,444 | $2.0M |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 3,444 | $2.0M |
| Other(2 contracts, 2 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 3,444 | $2.2M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 4,291 | — |
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."
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.