| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BENEFIT CONCEPTS INC3 Filed as: BENEFIT CONCEPTS INC. | 1173 BRITTMOORE HOUSTON, TX 770435003 | HUMANA HEALTH PLAN OF TEXAS, INC. | $55K | $0 | $55K | 3.43% |
| BENEFIT CONCEPTS INC3 Filed as: BENEFIT CONCEPTS INC. | 1173 BRITTMOORE HOUSTON, TX 770435003 | HUMANA HEALTH PLAN OF TEXAS, INC. | $19K | $0 | $19K | 3.52% |
| BENEFIT CONCEPTS INC3 Filed as: BENEFIT CONCEPTS INC. | 1173 BRITTMOORE HOUSTON, TX 770435003 | HUMANADENTAL INSURANCE COMPANY | $13K | $0 | $13K | 11.13% |
| BENEFIT CONCEPTS INC3 Filed as: BENEFIT CONCEPTS INC. | 1173 BRITTMOORE HOUSTON, TX 770435003 | HUMANA EMPLOYERS HEALTH PLAN OF GEORGIA, INC. | $3K | $0 | $3K | 3.54% |
| BENEFIT CONCEPTS INC3 Filed as: BENEFIT CONCEPTS INC. | 1173 BRITTMOORE HOUSTON, TX 770435003 | HUMANA INSURANCE COMPANY | $5K | $0 | $5K | 10.62% |
| BENEFIT CONCEPTS INC3 Filed as: BENEFIT CONCEPTS INC. | 1173 BRITTMOORE HOUSTON, TX 770435003 | HUMANA INSURANCE COMPANY | $5K | $0 | $5K | 12.86% |
| BENEFIT CONCEPTS INC3 Filed as: BENEFIT CONCEPTS INC. | 1173 BRITTMOORE HOUSTON, TX 770435003 | HUMANA INSURANCE COMPANY | $3K | $0 | $3K | 11.73% |
| BENEFIT CONCEPTS INC3 Filed as: BENEFIT CONCEPTS INC. | 1173 BRITTMOORE HOUSTON, TX 770435003 | DENTICARE, INC. | $3K | — | $3K | 13.67% |
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 | 162 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 162 | 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. | 120 | $2.2M |
| Dental(2 contracts, 2 carriers) | HUMANADENTAL INSURANCE COMPANY | 105 | $141K |
| Vision | HUMANA INSURANCE COMPANY | 117 | $28K |
| Life insurance(2 contracts) | HUMANA INSURANCE COMPANY | 186 | $86K |
| Other | HUMANA HEALTH PLAN OF TEXAS, INC. | 120 | $1.6M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 186 | — |
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.