| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BENEFIT CONCEPTS INC3 | 1173 BRITTMOORE RD HOUSTON, TX 770435003 | BLUE CROSS BULE SHIELD OF TEXAS | $161K | — | $161K | 4.69% |
| CORE BENEFIT SERVICES INC3 | 8554 KAY FWY STE 100 HOUSTON, TX 770241811 | BLUE CROSS BULE SHIELD OF TEXAS | — | $9K | $9K | 0.26% |
| BENEFIT CONCEPT INC3 | — | METROPOLITAN LIFE INS COMPANY | $57K | $3K | $60K | 10.42% |
| CORE BENEFIT SERVICES INC3 | — | METROPOLITAN LIFE INS COMPANY | -$89 | $6K | $6K | 1.00% |
| BENEFIT CONCEPT INC3 | — | METROPOLITAN LIFE INS COMPANY | $9K | $236 | $9K | 24.05% |
| TEXAS INSURANCE NETWORK, INC.3 Filed as: TEXAS INSURANCE NETWORK INC | — | METROPOLITAN LIFE INS COMPANY | $151 | $660 | $811 | 2.21% |
| BENEFIT CONCEPT INC3 | 1173 BRITTMOORE RD HOUSTON, TX 770435003 | METROPOLITAN LIFE INSURANCE COMPANY | $6K | $164 | $6K | 23.65% |
| TEXAS INSURANCE NETWORK, INC.3 Filed as: TEXAS INSURANCE NETWORK INC. | 8554 KATY SWY STE 100 HOUSTON, TX 770241841 | METROPOLITAN LIFE INSURANCE COMPANY | $124 | $497 | $621 | 2.53% |
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 | 622 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 622 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 3 carriers) | BLUE CROSS BULE SHIELD OF TEXAS | 622 | $3.5M |
| Dental | METROPOLITAN LIFE INS COMPANY | 547 | $576K |
| Vision | METROPOLITAN LIFE INS COMPANY | 547 | $576K |
| Life insurance | METROPOLITAN LIFE INS COMPANY | 547 | $576K |
| Short-term disability | METROPOLITAN LIFE INS COMPANY | 547 | $576K |
| Long-term disability | METROPOLITAN LIFE INS COMPANY | 547 | $576K |
| Other | METROPOLITAN LIFE INS COMPANY | 547 | $576K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 622 | — |
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.