| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BCI INSURANCE SOLUTIONS, INC.3 Filed as: BCI INSURANCE SOLUTIONS, INC | 800 GESSNER RD STE 300 HOUSTON, TX 77024 | BLUECROSS BLUESHIELD OF TEXAS | $171K | $3K | $175K | 2.99% |
| BCI INSURANCE SOLUTIONS, INC.3 Filed as: BCI INSURANCE SOLUTIONS INC | 800 GESSNER STE 300 HOUSTON, TX 77024 | LINCOLN NATIONAL LIFE INS. CO. | $16K | — | $16K | 5.83% |
| BENEFIT CONCEPTS INC3 | 800 GESSNER STE 300 HOUSTON, TX 77024 | LINCOLN NATIONAL LIFE INS. CO. | $12K | — | $12K | 4.17% |
| CENTRO BENEFITS RESEARCH LLC3 | 325 N. KIRKWOOD RD STE 300 KIRKWOOD, MO 63122 | LINCOLN NATIONAL LIFE INS. CO. | — | $8K | $8K | 3.00% |
| BCI INSURANCE SOLUTIONS, INC.3 Filed as: BCI INSURANCE SOLUTIONS INC | 800 GESSNER RD STE 300 HOUSTON, TX 77024 | LINCOLN NATIONAL LIFE INS. CO. | $13K | — | $13K | 8.81% |
| BENEFIT CONCEPTS INC3 | 800 GESSNER RD STE 300 HOUSTON, TX 77024 | LINCOLN NATIONAL LIFE INS. CO. | $9K | — | $9K | 6.19% |
| CENTRO BENEFITS RESEARCH LLC3 | 325 N. KIRKWOOD RD STE 300 KIRKWOOD, MO 63122 | LINCOLN NATIONAL LIFE INS. CO. | — | $8K | $8K | 5.00% |
| BCI INSURANCE SOLUTIONS, INC.3 Filed as: BCI INSURANCE SOLUTIONS INC | 800 GESSNER RD STE 300 HOUSTON, TX 77024 | LINCOLN NATIONAL LIFE INS. CO. | $10K | — | $10K | 8.80% |
| BENEFIT CONCEPTS INC3 | 800 GESSNER RD STE 300 HOUSTON, TX 77024 | LINCOLN NATIONAL LIFE INS. CO. | $7K | — | $7K | 6.20% |
| ASSUREDPARTNERS3 Filed as: CENTRO BENFITS RESEARCH LLC | 325 N. KIRKWOOD RD STE 300 KIRKWOOD, MO 63122 | LINCOLN NATIONAL LIFE INS. CO. | — | $6K | $6K | 5.00% |
| BCI INSURANCE SOLUTIONS, INC.3 Filed as: BCI INSURANCE SOLUTIONS INC | 800 GESSNER RD STE 300 HOUSTON, TX 77024 | LINCOLN NATIONAL LIFE INS. CO. | $9K | — | $9K | 8.54% |
| BENEFIT CONCEPTS INC3 | 800 GESSNER RD STE 300 HOUSTON, TX 77024 | LINCOLN NATIONAL LIFE INS. CO. | $7K | — | $7K | 6.46% |
| ASSUREDPARTNERS3 Filed as: CENTRO BENFITS RESEARCH LLC | 325 N. KIRKWOOD RD STE 300 KIRKWOOD, MO 63122 | LINCOLN NATIONAL LIFE INS. CO. | — | $5K | $5K | 5.00% |
| BCI INSURANCE SOLUTIONS, INC.3 Filed as: BCI INSURANCE SOLUTIONS INC | 800 GESSNER RD STE 300 HOUSTON, TX 77024 | LINCOLN NATIONAL LIFE INS CO | $6K | — | $6K | 12.86% |
| CENTRO BENEFITS RESEARCH LLC3 | 325 N. KIRKWOOD RD STE 300 KIRKWOOD, MO 63122 | LINCOLN NATIONAL LIFE INS CO | — | $3K | $3K | 7.07% |
| BENEFIT CONCEPTS INC3 | 800 GESSNER RD STE 300 HOUSTON, TX 77024 | LINCOLN NATIONAL LIFE INS CO | $3K | — | $3K | 7.01% |
| BCI INSURANCE SOLUTIONS, INC.3 Filed as: BCI INSURANCE SOLUTIONS INC | 800 GESSNER RD STE 300 HOUSTON, TX 77024 | LINCOLN NATIONAL LIFE INS. CO. | $2K | — | $2K | 5.87% |
| BENEFIT CONCEPTS INC3 | 800 GESSNER RD STE 300 HOUSTON, TX 77024 | LINCOLN NATIONAL LIFE INS. CO. | $2K | — | $2K | 4.13% |
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 | 781 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 781 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUECROSS BLUESHIELD OF TEXAS | 781 | $5.8M |
| Dental | LINCOLN NATIONAL LIFE INS. CO. | 356 | $279K |
| Vision | LINCOLN NATIONAL LIFE INS. CO. | 318 | $39K |
| Life insurance | LINCOLN NATIONAL LIFE INS. CO. | 173 | $101K |
| Long-term disability | LINCOLN NATIONAL LIFE INS. CO. | 399 | $152K |
| Other(2 contracts) | LINCOLN NATIONAL LIFE INS. CO. | 230 | $154K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 781 | — |
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."
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.