| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CORE BENEFIT SERVICES INC3 | 8554 KATY FREEWAY STE 100 HOUSTON, TX 77024 | UNITED HEALTHCARE INSURANCE CO | — | $83K | $83K | 5.56% |
| CORE BENEFIT SERVICES INC3 Filed as: CORE BENEFIT SERVICES, INC. | 8554 KATY FREEWAY STE 100 HOUSTON, TX 77024 | BLUECROSS BLUESHIELD OF TEXAS | $22K | $358 | $22K | 4.95% |
| CORE BENEFIT SERVICES INC3 Filed as: CORE BENEFIT SERVICES INC. | 8554 KATY FREEWAY STE 100 HOUSTON, TX 77024 | STANDARD INSURANCE CO | $12K | $2K | $14K | 11.60% |
| CORE BENEFIT SERVICES INC3 | 8554 KATY FREEWAY STE 100 HOUSTON, TX 77024 | STANDARD INSURANCE CO | $8K | $2K | $9K | 18.04% |
| CORE BENEFIT SERVICES INC3 | 8554 KATY FREEWAY STE 100 HOUSTON, TX 77024 | LINCOLN NATIONAL LIFE INS. CO. | $4K | — | $4K | 10.00% |
| CORE BENEFIT SERVICES INC3 | 8554 KATY FREEWAY STE 100 HOUSTON, TX 77024 | STANDARD INSURANCE CO | $5K | $960 | $6K | 18.15% |
| CORE BENEFIT SERVICES INC3 | 8554 KATY FREEWAY STE 100 HOUSTON, TX 77024 | STANDARD INSURANCE CO | $4K | $863 | $5K | 18.14% |
| CORE BENEFIT SERVICES INC3 Filed as: CORE BENEFIT SERVICES | 8554 KATY FREEWAY STE 100 HOUSTON, TX 77024 | FIDELITY SECURITY LIFE- EYEMED VISION CAR | $2K | — | $2K | 9.89% |
| CORE BENEFIT SERVICES INC3 Filed as: CORE BENEFIT SERVICES INC. | 8554 KATY FWY SUITE 100 HOUSTON, TX 77024 | LINCOLN NATIONAL LIFE INS. CO. | $1K | — | $1K | 15.00% |
| CORE BENEFIT SERVICES INC3 Filed as: CORE BENEFIT SERVICES, INC. | 8554 KATY FWY SUITE 1OO HOUSTON, TX 77024 | LINCOLN NATIONAL LIFE INS. CO. | $1K | — | $1K | 15.00% |
| CORE BENEFIT SERVICES INC3 Filed as: CORE BENEFIT SERVICES INC. | 8554 KATY FREEWAY STE 100 HOUSTON, TX 77024 | LINCOLN NATIONAL LIFE INS. CO. | $1K | — | $1K | 15.00% |
| CORE BENEFIT SERVICES INC3 Filed as: CORE BENEFIT SERVICES, INC, | 8554 KATY FWY SUITE 100 HOUSTON, TX 77024 | LINCOLN NATIONAL LIFE INS. CO. | $872 | — | $872 | 15.00% |
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 | 441 | 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) | 441 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | UNITED HEALTHCARE INSURANCE CO | 441 | $2.0M |
| Dental(2 contracts, 2 carriers) | STANDARD INSURANCE CO | 213 | $157K |
| Vision | FIDELITY SECURITY LIFE- EYEMED VISION CAR | 423 | $22K |
| Life insurance(2 contracts, 2 carriers) | STANDARD INSURANCE CO | 223 | $56K |
| Short-term disability(2 contracts, 2 carriers) | STANDARD INSURANCE CO | 144 | $40K |
| Long-term disability(2 contracts, 2 carriers) | STANDARD INSURANCE CO | 223 | $35K |
| Other(2 contracts) | LINCOLN NATIONAL LIFE INS. CO. | 206 | $15K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 441 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.