| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CORE BENEFIT SERVICES INC3 | 8554 KATY FREEWAY STE 100 HOUSTON, TX 77024 | AETNA LIFE INSURANCE COMPANY AND AFFILIATES | — | $8K | $8K | 0.24% |
| CORE BENEFIT SERVICES INC3 | 8554 KATY FREEWAY STE 100 HOUSTON, TX 77024 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $14K | $168 | $14K | 10.12% |
| CORE BENEFIT SERVICES INC3 | 8554 KATY FREEWAY STE 100 HOUSTON, TX 77024 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $15K | $243 | $15K | 15.25% |
| CORE BENEFIT SERVICES INC3 | 8554 KATY FREEWAY STE 100 HOUSTON, TX 77024 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $11K | $146 | $12K | 20.26% |
| CORE BENEFIT SERVICES INC3 | 8554 KATY FREEWAY STE 100 HOUSTON, TX 77024 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $5K | $62 | $5K | 10.12% |
| CORE BENEFIT SERVICES INC3 | 8554 KATY FREEWAY STE 100 HOUSTON, TX 77024 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $9K | $117 | $9K | 20.26% |
| CORE BENEFIT SERVICES INC3 | 8554 KATY FREEWAY STE 100 HOUSTON, TX 77024 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $4K | $50 | $4K | 10.12% |
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 | 696 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 696 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | AETNA LIFE INSURANCE COMPANY AND AFFILIATES | 696 | $3.1M |
| Dental | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 201 | $141K |
| Vision | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 386 | $41K |
| Life insurance | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 321 | $97K |
| Short-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 201 | $57K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 180 | $45K |
| Other | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 321 | $97K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 696 | — |
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.
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.