| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BCI INSURANCE SOLUTIONS, INC.3 Filed as: BCI INSURANCE SOLUTIONS INC | 800 GESNER RD STE 300 HOUSTON, TX 77024 | BLUECROSS BLUESHIELD OF TEXAS | $160K | $4K | $164K | 3.06% |
| BENEFIT CONCEPTS INC3 | 800 GESSNER RD STE 300 HOUSTON, TX 77024 | LINCOLN NATIONAL LIFE INS. CO. | $26K | $4K | $30K | 11.45% |
| CENTRO BENEFITS RESEARCH LLC3 Filed as: CENTRO BENEFITS RESEARCH INC | 325 KIRKWOOD RD STE 300 KIRKWOOD, MO 63122 | LINCOLN NATIONAL LIFE INS. CO. | — | $4K | $4K | 1.48% |
| BENEFIT CONCEPTS INC3 | 800 GESSNER RD STE 300 HOUSTON, TX 77024 | LINCOLN NATIONAL LIFE INS. CO. | $21K | $4K | $25K | 17.80% |
| CENTRO BENEFITS RESEARCH LLC3 | 325 KIRKWOOD RD STE 300 KIRKWOOD, MO 63122 | LINCOLN NATIONAL LIFE INS. CO. | — | $4K | $4K | 2.60% |
| BENEFIT CONCEPTS INC3 | 800 GESSNER RD STE 300 HOUSTON, TX 77024 | LINCOLN NATIONAL LIFE INS. CO. | $15K | $3K | $18K | 17.81% |
| CENTRO BENEFITS RESEARCH LLC3 Filed as: CENTRO BENEFITS RESEARCH LLS | 325 N. KIRKWOOD RD STE 300 KIRKWOOD, MO 63122 | LINCOLN NATIONAL LIFE INS. CO. | — | $3K | $3K | 2.58% |
| BENEFIT CONCEPTS INC3 | 800 GESSNER RD STE 300 HOUSTON, TX 77024 | LINCOLN NATIONAL LIFE INS. CO. | $14K | $3K | $17K | 17.87% |
| CCENTRO BENEFITS RESEARCH LLC3 | 325 N. KIRKWOOD RD STE 300 KIRKWOOD, MO 63122 | LINCOLN NATIONAL LIFE INS. CO. | — | $2K | $2K | 2.53% |
| BENEFIT CONCEPTS INC3 | 800 GESSNER RD STE 300 HOUSTON, TX 77024 | LINCOLN NATIONAL LIFE INS. CO. | $9K | $2K | $11K | 17.83% |
| CENTRO BENEFITS RESEARCH LLC3 | 325 N. KIRKWOOD RD STE 300 KIRKWOOD, MO 63122 | LINCOLN NATIONAL LIFE INS. CO. | — | $2K | $2K | 2.59% |
| BENEFIT CONCEPTS INC3 | 800 GESSNER RD STE 300 HOUSTON, TX 77024 | LINCOLN NATIONALLIFE INSURANCE CO | $4K | $543 | $4K | 11.46% |
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 | 790 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 790 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUECROSS BLUESHIELD OF TEXAS | 790 | $5.4M |
| Dental | LINCOLN NATIONAL LIFE INS. CO. | 359 | $259K |
| Vision | LINCOLN NATIONALLIFE INSURANCE CO | 319 | $37K |
| Life insurance | LINCOLN NATIONAL LIFE INS. CO. | 407 | $61K |
| Short-term disability | LINCOLN NATIONAL LIFE INS. CO. | 215 | $100K |
| Long-term disability | LINCOLN NATIONAL LIFE INS. CO. | 408 | $142K |
| Other(2 contracts) | LINCOLN NATIONAL LIFE INS. CO. | 407 | $157K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 790 | — |
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.