| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BENEFIT CONCEPTS INC3 | 800 GESSNER RD STE 300 HOUSTON, TX 770244544 | UNITED HEALTHCARE INSURANCE COMPANY | $0 | $48K | $48K | 4.04% |
| BCI INSURANCE SOLUTIONS, INC.3 | 1173 BRITTMOORE HOUSTON, TX 77043 | GUARDIAN | $8K | — | $8K | 10.00% |
| BCI INSURANCE SOLUTIONS, INC.3 | 1173 BRITTMOORE HOUSTON, TX 77043 | GUARDIAN | $2K | — | $2K | 10.00% |
| BCI INSURANCE SOLUTIONS, INC.3 | 1173 BRITTMOORE HOUSTON, TX 77043 | GUARDIAN | $2K | — | $2K | 10.00% |
| BCI INSURANCE SOLUTIONS, INC.3 | 1173 BRITTMOORE HOUSTON, TX 77043 | GUARDIAN | $1K | — | $1K | 10.00% |
| BCI INSURANCE SOLUTIONS, INC.3 | 1173 BRITTMOORE HOUSTON, TX 77043 | GUARDIAN | $278 | — | $278 | 10.00% |
| BCI INSURANCE SOLUTIONS, INC.3 | 1173 BRITTMOORE HOUSTON, TX 77043 | GUARDIAN | $186 | — | $186 | 10.01% |
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 | 151 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 151 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITED HEALTHCARE INSURANCE COMPANY | 151 | $1.2M |
| Dental | GUARDIAN | 94 | $75K |
| Vision | GUARDIAN | 92 | $13K |
| Life insurance(2 contracts) | GUARDIAN | 134 | $42K |
| Other(2 contracts) | GUARDIAN | 110 | $5K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 151 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.