| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BENEFIT CONCEPTS INC3 Filed as: BENEFIT CONCEPTS INC. | 1173 BRITTMOORE HOUSTON, TX 77043 | HUMANA HEALTH PLAN OF TEXAS, INC. | $48K | $0 | $48K | 2.80% |
| BENEFIT CONCEPTS INC3 Filed as: BENEFIT CONCEPTS, INC. | 1173 BRITTMOORE HOUSTON, TX 77043 | HUMANA HEALTH PLAN OF TEXAS, INC. | $24K | $0 | $24K | 2.89% |
| BENEFIT CONCEPTS INC3 | 1173 BRITTMOORE HOUSTON, TX 77043 | HUMANADENTAL INSURANCE COMPANY | $7K | — | $7K | 6.46% |
| BENEFIT CONCEPTS INC3 Filed as: BENEFIT CONCEPTS INC. | 1173 BRITTMOORE HOUSTON, TX 77043 | HUMANA INSURANCE COMPANY | $4K | — | $4K | 10.40% |
| BENEFIT CONCEPTS INC3 Filed as: BENEFIT CONCEPTS INC. | 1173 BRITTMOORE HOUSTON, TX 77043 | HUMANA INSURANCE COMPANY | $3K | $0 | $3K | 9.41% |
| BENEFIT CONCEPTS INC3 Filed as: BENEFIT CONCEPTS INC. | 1173 BRITTMOORE HOUSTON, TX 77043 | DENTICARE, INC. | $2K | — | $2K | 7.59% |
| BENEFIT CONCEPTS INC3 Filed as: BENEFIT CONCEPTS INC. | 1173 BRITTMOORE HOUSTON, TX 77043 | HUMANA EMPLOYERS HEALTH PLAN OF GEORGIA, INC. | $672 | $0 | $672 | 2.82% |
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 | 319 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 319 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(4 contracts, 3 carriers) | HUMANA HEALTH PLAN OF TEXAS, INC. | 210 | $2.6M |
| Dental(2 contracts, 2 carriers) | HUMANADENTAL INSURANCE COMPANY | 152 | $132K |
| Life insurance(2 contracts) | HUMANA INSURANCE COMPANY | 306 | $75K |
| Other | HUMANA HEALTH PLAN OF TEXAS, INC. | 210 | $1.7M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 306 | — |
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."
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.