| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CORE BENEFIT SERVICES INC3 Filed as: CORE BENEFIT SERVICES, INC. | 8554 KATY FREEWAY STE 100 HOUSTON, TX 77024 | BLUECROSS BLUESHIELD OF TEXAS | $74K | $1K | $76K | 5.01% |
| CORE BENEFIT SERVICES INC3 | 8554 KATY FREEWAY STE 100 HOUSTON, TX 77024 | LINCOLN NATIONAL LIFE INS. CO. | $13K | $592 | $14K | 10.46% |
| CORE BENEFIT SERVICES INC3 Filed as: CORE BENEFIT SERVICES, INC. | 8554 KATY FWY SUITE 1OO HOUSTON, TX 77024 | LINCOLN NATIONAL LIFE INS. CO. | $5K | $310 | $5K | 15.99% |
| CORE BENEFIT SERVICES INC3 Filed as: CORE BENEFIT SERVICES INC. | 8554 KATY FWY SUITE 100 HOUSTON, TX 77024 | LINCOLN NATIONAL LIFE INS. CO. | $5K | $226 | $5K | 15.73% |
| CORE BENEFIT SERVICES INC3 Filed as: CORE BENEFIT SERVICES INC. | 8554 KATY FREEWAY STE 100 HOUSTON, TX 77024 | LINCOLN NATIONAL LIFE INS. CO. | $4K | $196 | $4K | 15.79% |
| CORE BENEFIT SERVICES INC3 Filed as: CORE BENEFIT SERVICES, INC, | 8554 KATY FWY SUITE 100 HOUSTON, TX 77024 | LINCOLN NATIONAL LIFE INS. CO. | $3K | $178 | $3K | 15.88% |
| MICHAEL PADON3 Filed as: MICHAEL ERDIN | 4715 INGERSOLL STREET HOUSTON, TX 77027 | FIDELITY SECURITY LIFE- EYEMED VISION CAR | $1K | — | $1K | 7.81% |
| CORE BENEFIT SERVICES INC3 Filed as: CORE BENEFIT SERVICES | 8554 KATY FREEWAY STE 100 HOUSTON, TX 77024 | FIDELITY SECURITY LIFE- EYEMED VISION CAR | $298 | — | $298 | 2.16% |
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 | 351 | 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) | 351 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUECROSS BLUESHIELD OF TEXAS | 351 | $1.5M |
| Dental | LINCOLN NATIONAL LIFE INS. CO. | 191 | $129K |
| Vision | FIDELITY SECURITY LIFE- EYEMED VISION CAR | 335 | $14K |
| Life insurance | LINCOLN NATIONAL LIFE INS. CO. | 197 | $20K |
| Short-term disability | LINCOLN NATIONAL LIFE INS. CO. | 129 | $31K |
| Long-term disability | LINCOLN NATIONAL LIFE INS. CO. | 197 | $25K |
| Other(2 contracts) | LINCOLN NATIONAL LIFE INS. CO. | 197 | $52K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 351 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.