| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BENEFIT CONCEPTS INC3 Filed as: BENEFIT CONCEPTS INC. | 1173 BRITTMOORE RD HOUSTON, TX 77043 | UNITEDHEALTHCARE INSURANCE COMPANY | $35K | $2K | $36K | 6.28% |
| BENEFIT CONCEPTS INC3 Filed as: BENEFIT CONCEPTS INC. | 1173 BRITTMOORE RD HOUSTON, TX 77043 | HUMANA INC. | $4K | $1K | $5K | 6.88% |
| BENEFIT CONCEPTS INC3 Filed as: BENEFIT CONCEPTS INC. | 1173 BRITTMOORE RD HOUSTON, TX 77043 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | $1K | $3K | 14.97% |
| PROSENTIAL BENEFITS LLC3 | 40 TIOGA WAY SUITE 230 MARBLEHEAD, MA 01945 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $168 | $168 | 0.83% |
| BENEFIT CONCEPTS INC3 | 1173 BRITTMOORE RD HOUSTON, TX 77043 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | $949 | $3K | 14.88% |
| PROSENTIAL BENEFITS LLC3 | 40 TIOGA WAY SUITE 230 MARBLEHEAD, MA 01945 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $158 | $158 | 0.81% |
| BENEFIT CONCEPTS INC3 Filed as: BENEFIT CONCEPTS INC. | SUITE 130 8207 CALLAGHAN RD SAN ANTONIO, TX 78230 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $3K | $0 | $3K | 20.00% |
| BENEFIT CONCEPTS INC3 Filed as: BENEFIT CONCEPTS INC. | 1173 BRITTMOORE RD HOUSTON, TX 77043 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $1K | $468 | $2K | 14.20% |
| PROSENTIAL BENEFITS LLC3 | 40 TIOGA WAY SUITE 230 MARBLEHEAD, MA 01945 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $78 | $78 | 0.70% |
| BENEFIT CONCEPTS INC3 | 1173 BRITTMOORE RD HOUSTON, TX 77043 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $693 | $381 | $1K | 15.49% |
| PROSENTIAL BENEFITS LLC3 | 40 TIOGA WAY SUITE 230 MARBLEHEAD, MA 01945 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $64 | $64 | 0.92% |
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 | 126 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 126 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 168 | $577K |
| Dental | HUMANA INC. | 105 | $77K |
| Vision | HUMANA INC. | 105 | $77K |
| Life insurance(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 126 | $18K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 126 | $19K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 126 | $20K |
| Other(3 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 126 | $34K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 168 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.