| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| INSGROUP INC3 | 1455 WEST LOOP SOUTH SUITE 900 HOUSTON, TX 77027 | BLUECROSS BLUESHIELD OF TEXAS | $80K | — | $80K | 16.54% |
| BENEFIT CONCEPTS INC3 | 1173 BRITTMOORE ROAD HOUSTON, TX 77043 | UNION SECURITY INSURANCE COMPANY | $18K | $5K | $22K | 18.87% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP INSURANCE SERVICES | 1250 SOUTH CAPITAL OF TEXAS HIGHWAY AUSTIN, TX 78746 | UNION SECURITY INSURANCE COMPANY | — | $529 | $529 | 0.45% |
| INSGROUP INC3 | 5151 SAN FELIPE STREET HOUSTON, TX 77056 | UNITEDHEALTHCARE INSURANCE COMPANY | $7K | — | $7K | 6.04% |
| BENEFIT CONCEPTS INC3 | 1173 BRITTMOORE ROAD HOUSTON, TX 77043 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $8K | — | $8K | 20.00% |
| JENNINGS INSURANCE SERVICES3 | 10524 MOSS PARK ROAD #206-306 ORLANDO, FL 32832 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $2K | $2K | 4.00% |
| BENEFIT CONCEPTS INC3 | 1173 BRITTMORE ROAD HOUSTON, TX 77043 | UNION SECURITY INSURANCE COMPANY | $9K | $984 | $10K | 36.70% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP INSURANCE SERVICES, INC. | SOUTH CAPITAL OF TEXAS HIGHWAY AUSTIN, TX 78746 | UNION SECURITY INSURANCE COMPANY | — | $117 | $117 | 0.44% |
| BENEFIT CONCEPTS INC3 | 1173 BRITTMOORE ROAD HOUSTON, TX 77043 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $4K | — | $4K | 20.00% |
| JENNINGS INSURANCE SERVICES3 | 10524 MOSS PARK ROAD #206-306 ORLANDO, FL 32832 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $704 | $704 | 4.00% |
| BENEFIT CONCEPTS INC3 | 1173 BRITTMOORE ROAD HOUSTON, TX 77043 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $3K | — | $3K | 20.00% |
| JENNINGS INSURANCE SERVICES3 | 10524 MOSS PARK ROAD #206-306 ORLANDO, FL 32832 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $599 | $599 | 4.00% |
| BENEFIT CONCEPTS INC3 | 1173 BRITTMOORE ROAD HOUSTON, TX 77043 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $3K | — | $3K | 20.00% |
| BENEFIT CONCEPTS INC3 | 1173 BRITTMOORE ROAD HOUSTON, TX 77043 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $3K | — | $3K | 20.00% |
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 | 223 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 223 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | UNITEDHEALTHCARE INSURANCE COMPANY | 474 | $112K |
| Vision | UNITEDHEALTHCARE INSURANCE COMPANY | 474 | $112K |
| Life insurance(2 contracts, 2 carriers) | UNION SECURITY INSURANCE COMPANY | 216 | $159K |
| Short-term disability(2 contracts, 2 carriers) | UNION SECURITY INSURANCE COMPANY | 150 | $132K |
| Long-term disability(2 contracts, 2 carriers) | UNION SECURITY INSURANCE COMPANY | 150 | $135K |
| Stop-loss / reinsurancereinsurance | BLUECROSS BLUESHIELD OF TEXAS | 364 | $486K |
| Other(5 contracts, 2 carriers) | UNION SECURITY INSURANCE COMPANY | 241 | $214K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 474 | — |
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.