| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BENEFIT CONCEPTS INC3 | 1173 BRITTMOORE RD HOUSTON, TX 77043 | BLUECROSS BLUESHIELD OF TEXAS | $169K | $14K | $183K | 7.16% |
| BENEFIT CONCEPTS INC3 | 1173 BRITTMOORE RD HOUSTON, TX 770435003 | PRINCIPAL LIFE INSURANCE COMPANY | $31K | $19K | $50K | 17.20% |
| BENEFIT CONCEPTS INC3 | 1173 BRITTMOORE HOUSTON, TX 77043 | CONTINENTAL AMERICAN INSURANCE COMPANY | $9K | — | $9K | 12.29% |
| TYLER VAUGHN3 Filed as: TYLER W VAUGHN | 1702 MOSTON DR SPRING, TX 77386 | CONTINENTAL AMERICAN INSURANCE COMPANY | $7K | — | $7K | 10.54% |
| NICOLE LYNN RIHANEK3 Filed as: NICOLE L RIHANEK | 616 CYPRESS CREEK PKWY STE 750 HOUSTON, TX 77090 | CONTINENTAL AMERICAN INSURANCE COMPANY | $2K | — | $2K | 2.47% |
| CYNTHIA HILBORN3 Filed as: CYNTHIA A HILBORN | 12322 HEATHER WICK DR CYPRESS, TX 77429 | CONTINENTAL AMERICAN INSURANCE COMPANY | $2K | — | $2K | 2.25% |
| RACHELLE JANICE JONES3 Filed as: RACHELLE J JONES | 10618 ACACIA FOREST TRAIL HOUSTON, TX 77089 | CONTINENTAL AMERICAN INSURANCE COMPANY | $192 | — | $192 | 0.28% |
| DEBRA L SCHMIDT3 | 7207 SANDY ISLE LN SPRING, TX 77389 | CONTINENTAL AMERICAN INSURANCE COMPANY | $146 | — | $146 | 0.21% |
| KIM REED SMITH3 Filed as: KIM R SMITH | 7815 DEERWOOD LAKE DRIVE HUMBLE, TX 77346 | CONTINENTAL AMERICAN INSURANCE COMPANY | $46 | — | $46 | 0.07% |
| MARTY JOE TURNER3 | 4289 BAYWOOD DRIVE CATAULA, GA 31804 | CONTINENTAL AMERICAN INSURANCE COMPANY | $46 | — | $46 | 0.07% |
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 | 438 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 4 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 442 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUECROSS BLUESHIELD OF TEXAS | 474 | $2.6M |
| Dental | PRINCIPAL LIFE INSURANCE COMPANY | 615 | $290K |
| Vision | PRINCIPAL LIFE INSURANCE COMPANY | 615 | $290K |
| Life insurance | PRINCIPAL LIFE INSURANCE COMPANY | 615 | $290K |
| Short-term disability | PRINCIPAL LIFE INSURANCE COMPANY | 615 | $290K |
| Long-term disability | PRINCIPAL LIFE INSURANCE COMPANY | 615 | $290K |
| Other | CONTINENTAL AMERICAN INSURANCE COMPANY | 237 | $69K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 615 | — |
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.
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.