| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BENEFIT CONCEPTS INC3 Filed as: BENEFIT CONCEPTS, INC. | 1173 BRITTMOORE HOUSTON, TX 77043 | HUMANA INSURANCE COMPANY | $51K | — | $51K | 4.94% |
| BENEFIT CONCEPTS INC3 Filed as: BENEFIT CONCEPTS, INC. | 1173 BRITTMOORE HOUSTON, TX 77043 | PRINCIPAL LIFE INSURANCE COMPANY | $18K | $9K | $26K | 15.65% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP INSURANCE SERVICES, INC. | 1250 S. CAPITAL OF TX HWY BLDG. 2 AUSTIN, TX 78746 | PRINCIPAL LIFE INSURANCE COMPANY | — | $2K | $2K | 1.36% |
| BENEFIT CONCEPTS INC3 Filed as: BENEFIT CONCEPTS, INC. | 1173 BRITTMORE RD HOUSTON, TX 77043 | UNION SECURITY INSURANCE COMPANY | $10K | — | $10K | 27.61% |
| DAVID NEIDER3 | 1173 BRITTMORE RD HOUSTON, TX 77043 | UNION SECURITY INSURANCE COMPANY | — | $2K | $2K | 5.32% |
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 | 157 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 5 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 162 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HUMANA INSURANCE COMPANY | 159 | $1.0M |
| Dental(2 contracts, 2 carriers) | HUMANA INSURANCE COMPANY | 305 | $1.2M |
| Vision(2 contracts, 2 carriers) | HUMANA INSURANCE COMPANY | 305 | $1.2M |
| Life insurance | PRINCIPAL LIFE INSURANCE COMPANY | 305 | $168K |
| Short-term disability(2 contracts, 2 carriers) | PRINCIPAL LIFE INSURANCE COMPANY | 305 | $203K |
| Long-term disability | PRINCIPAL LIFE INSURANCE COMPANY | 305 | $168K |
| Other | UNION SECURITY INSURANCE COMPANY | 63 | $35K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 305 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.