| 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. | $70K | $0 | $70K | 4.32% |
| BENEFIT CONCEPTS INC3 Filed as: BENEFIT CONCEPTS INC. | 1173 BRITTMOORE HOUSTON, TX 77043 | HUMANA HEALTH PLAN OF TEXAS, INC. | $26K | $0 | $26K | 4.79% |
| BENEFIT CONCEPTS INC3 Filed as: BENEFIT CONCEPTS INC. | 1173 BRITTMOORE HOUSTON, TX 770435003 | HUMANADENTAL INSURANCE COMPANY | $14K | $0 | $14K | 11.01% |
| BENEFIT CONCEPTS INC3 Filed as: BENEFIT CONCEPTS INC. | 1173 BRITTMOORE HOUSTON, TX 77043 | HUMANA EMPLOYERS HEALTH PLAN OF GEORGIA, INC. | $3K | $0 | $3K | 3.70% |
| BENEFIT CONCEPTS INC3 Filed as: BENEFIT CONCEPTS INC. | 1173 BRITTMOORE HOUSTON, TX 77043 | HUMANA INSURANCE COMPANY | $5K | $0 | $5K | 10.61% |
| BENEFIT CONCEPTS INC3 Filed as: BENEFIT CONCEPTS INC. | 1173 BRITTMOORE HOUSTON, TX 77043 | HUMANA INSURANCE COMPANY | $5K | $0 | $5K | 12.49% |
| BENEFIT CONCEPTS INC3 Filed as: BENEFIT CONCEPTS INC. | 1173 BRITTMOORE HOUSTON, TX 77043 | HUMANA INSURANCE COMPANY | $4K | $0 | $4K | 11.38% |
| BENEFIT CONCEPTS INC3 Filed as: BENEFIT CONCEPTS INC. | 1173 BRITTMOORE HOUSTON, TX 770435003 | DENTICARE, INC. | $3K | $0 | $3K | 13.66% |
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. | 219 | $2.3M |
| Dental(2 contracts, 2 carriers) | HUMANADENTAL INSURANCE COMPANY | 159 | $152K |
| Vision | HUMANA INSURANCE COMPANY | 230 | $32K |
| Life insurance(2 contracts) | HUMANA INSURANCE COMPANY | 308 | $83K |
| Other | HUMANA HEALTH PLAN OF TEXAS, INC. | 219 | $1.6M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 308 | — |
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.