| 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 | $77K | $7K | $84K | 4.22% |
| CORE BENEFIT SERVICES INC3 | 8554 KATY FREEWAY STE 100 HOUSTON, TX 77024 | LINCOLN NATIONAL LIFE INS. CO. | $17K | $8K | $25K | 14.65% |
| CORE BENEFIT SERVICES INC3 | 8554 KATY FREEWAY STE 100 HOUSTON, TX 77024 | STANDARD INSURANCE CO | $14K | — | $14K | 15.00% |
| CORE BENEFIT SERVICES INC3 | 8554 KATY FREEWAY STE 100 HOUSTON, TX 77024 | STANDARD INSURANCE CO | $9K | — | $9K | 15.00% |
| CORE BENEFIT SERVICES INC3 | 8554 KATY FREEWAY STE 100 HOUSTON, TX 77024 | STANDARD INSURANCE CO | $9K | — | $9K | 15.00% |
| CORE BENEFIT SERVICES INC3 Filed as: CORE BENEFIT SERVICES | 8554 KATY FREEWAY STE 100 HOUSTON, TX 77024 | FIDELITY SECURITY LIFE- EYEMED VISION CARE | $3K | — | $3K | 10.94% |
| CORE BENEFIT SERVICES INC3 Filed as: CORE BENEFIT SERVICES INC. | 8554 KATY FREEWAY STE 100 HOUSTON, TX 77024 | STANDARD INSURANCE CO | $0 | — | $0 | — |
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 | 546 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 546 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUECROSS BLUESHIELD OF TEXAS | 546 | $2.0M |
| Dental(2 contracts, 2 carriers) | LINCOLN NATIONAL LIFE INS. CO. | 230 | $172K |
| Vision | FIDELITY SECURITY LIFE- EYEMED VISION CARE | 423 | $24K |
| Life insurance | STANDARD INSURANCE CO | 225 | $90K |
| Short-term disability | STANDARD INSURANCE CO | 147 | $62K |
| Long-term disability | STANDARD INSURANCE CO | 225 | $60K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 546 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.