| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BENEFIT CONCEPTS INC3 | 1173 BRITTMOORE RD HOUSTON, TX 77043 | UNITEDHEALTHCARE INSURANCE COMPANY | — | $67K | $67K | 4.04% |
| MID-CONTINENT COMPANIES3 Filed as: MID-CONTINENT COMPANIES LTD | 1218 WEBSTER ST HOUSTON, TX 77002 | UNITEDHEALTHCARE INSURANCE COMPANY | — | $20K | $20K | 1.22% |
| BENEFIT CONCEPTS INC3 | 1173 BRITTMOORE RD HOUSTON, TX 77043 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $6K | — | $6K | 7.49% |
| MIDCONTINENT COMPANIES3 | 1218 WEBSTER ST HOUSTON, TN 770028841 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $2K | $629 | $3K | 3.30% |
| BENEUSA LLC3 | 1851 LAKE DR W # 350 CHANHASSEN, MN 55317 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $2K | $2K | 3.00% |
| MID-CONTINENT COMPANIES3 Filed as: MID CONTINENT COMPANIES LTD | 1218 WEBSTER ST HOUSTON, TX 77002 | CONTINENTAL AMERICAN INSURANCE COMPANY | $8K | — | $8K | 15.94% |
| TYLER VAUGHN3 Filed as: TYLER W VAUGHN | 1702 MOSTON DR SPRING, TX 77386 | CONTINENTAL AMERICAN INSURANCE COMPANY | $5K | — | $5K | 10.34% |
| CYNTHIA HILBORN3 Filed as: CYNTHIA A HILBORN | 12322 HEATHER WICK DR CYPRESS, TX 77429 | CONTINENTAL AMERICAN INSURANCE COMPANY | $2K | — | $2K | 3.52% |
| BENEFIT CONCEPTS INC3 | 1173 BRITTMOORE HOUSTON, TX 77043 | CONTINENTAL AMERICAN INSURANCE COMPANY | $2K | — | $2K | 3.40% |
| DEBRA L SCHMIDT3 | 7207 SANDY ISLE LN SPRING, TX 77389 | CONTINENTAL AMERICAN INSURANCE COMPANY | $602 | — | $602 | 1.17% |
| RACHELLE JANICE JONES3 Filed as: RACHELLE J JONES | 10618 ACACIA FOREST TRAIL HOUSTON, TX 77089 | CONTINENTAL AMERICAN INSURANCE COMPANY | $449 | — | $449 | 0.87% |
| NICOLE LYNN RIHANEK3 Filed as: NICOLE L RIHANEK | 616 CYPRESS CREEK PKWY STE 750 HOUSTON, TX 77090 | CONTINENTAL AMERICAN INSURANCE COMPANY | $297 | — | $297 | 0.58% |
| KIM REED SMITH3 Filed as: KIM R SMITH | 7815 DEERWOOD LAKE DRIVE HUMBLE, TX 77346 | CONTINENTAL AMERICAN INSURANCE COMPANY | $94 | — | $94 | 0.18% |
| MARTY JOE TURNER3 | 4289 BAYWOOD DRIVE CATAULA, GA 31804 | CONTINENTAL AMERICAN INSURANCE COMPANY | $94 | — | $94 | 0.18% |
| BENEFIT CONCEPTS INC3 | 1173 BRITTMOORE RD HOUSTON, TX 77043 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $3K | — | $3K | 10.32% |
| MIDCONTINENT COMPANIES3 | 1218 WEBSTER ST HOUSTON, TX 770028841 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $1K | $132 | $2K | 5.10% |
| BENEUSA LLC3 | 1851 LAKE DR W # 350 CHANHASSEN, MN 55317 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $2K | $2K | 5.00% |
| BENEFIT CONCEPTS INC3 | 1173 BRITTMOORE RD HOUSTON, TX 77043 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $3K | — | $3K | 11.29% |
| BENEUSA LLC3 | 1851 LAKE DR W # 350 CHANHASSEN, MN 55317 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $1K | $1K | 5.00% |
| MIDCONTINENT COMPANIES3 | 1218 WEBSTER ST HOUSTON, TX 770028841 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $884 | $182 | $1K | 4.47% |
| BENEFIT CONCEPTS INC3 | 1173 BRITTMOORE RD HOUSTON, TN 77043 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $1K | — | $1K | 7.55% |
| MIDCONTINENT COMPANIES3 | 1218 WEBSTER ST HOUSTON, TN 770028841 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $466 | $85 | $551 | 2.90% |
| BENEFIT CONCEPTS INC3 | 1173 BRITTMOORE RD HOUSTON, TX 77043 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $2K | — | $2K | 14.57% |
| MIDCONTINENT COMPANIES3 | 1218 WEBSTER ST HOUSTON, TX 770028841 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $745 | $102 | $847 | 6.17% |
| BENEUSA LLC3 | 1851 LAKE DR W # 350 CHANHASSEN, MN 55317 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $686 | $686 | 5.00% |
| MIDCONTINENT COMPANIES3 | 1218 WEBSTER ST HOUSTON, TX 770028841 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $930 | $157 | $1K | 15.51% |
| BENEFIT CONCEPTS INC3 | 1173 BRITTMOORE RD HOUSTON, TX 77043 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $472 | — | $472 | 6.74% |
| BENEUSA LLC3 | 1851 LAKE DR W #350 CHANHASSEN, MN 55317 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $350 | $350 | 4.99% |
| BENEFIT CONCEPTS INC3 | 1173 BRITTMOORE RD HOUSTON, TX 77043 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $132 | — | $132 | 7.20% |
| MIDCONTINENT COMPANIES3 | 1218 WEBSTER ST HOUSTON, TX 770028841 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $51 | $28 | $79 | 4.31% |
| BENEUSA LLC3 | 1851 LAKE DR W # 350 CHANHASSEN, MN 55317 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $55 | $55 | 3.00% |
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 | 352 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 352 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 301 | $1.6M |
| Dental | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 169 | $80K |
| Vision | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 150 | $19K |
| Life insurance | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 277 | $14K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 93 | $24K |
| Other(5 contracts, 2 carriers) | CONTINENTAL AMERICAN INSURANCE COMPANY | 277 | $106K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 301 | — |
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."
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.
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.