| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| INSGROUP INC3 | 1455 WEST LOOP SOUTH SUITE 900 HOUSTON, TX 77027 | BLUECROSS BLUESHIELD OF TEXAS | $98K | $3K | $101K | 16.64% |
| INSGROUP INC3 | 5151 SAN FELIPE ST HOUSTON, TX 77056 | UNITEDHEALTHCARE INSURANCE COMPANY | $7K | — | $7K | 5.04% |
| BENEFIT CONCEPTS INC3 | 1173 BRITTMOORE RD HOUSTON, TX 77043 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $23K | $9K | $33K | 27.91% |
| JENNINGS INSURANCE SERVICES3 | 10524 MOSS PARK RD #206-306 ORLANDO, FL 32832 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $5K | $5K | 4.00% |
| PROSENTIAL BENEFITS LLC3 Filed as: PROSENTIAL BENEFITS, LLC | 40 TIOGA WAY MARBLEHEAD, MA 01945 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $864 | $864 | 0.74% |
| BENEFIT CONCEPTS INC3 | 1173 BRITTMOORE RD HOUSTON, TX 77043 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $10K | $4K | $14K | 27.52% |
| JENNINGS INSURANCE SERVICES3 | 10524 MOSS PARK RD #206-306 ORLANDO, FL 32832 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $2K | $2K | 4.00% |
| PROSENTIAL BENEFITS LLC3 Filed as: PROSENTIAL BENEFITS, LLC | 40 TIOGA WAY MARBLEHEAD, MA 01945 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $354 | $354 | 0.70% |
| BENEFIT CONCEPTS INC3 | 1173 BRITTMOORE RD HOUSTON, TX 77043 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $9K | $3K | $12K | 27.73% |
| JENNINGS INSURANCE SERVICES3 | 10524 MOSS PARK RD #206-306 ORLANDO, FL 32832 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $2K | $2K | 4.00% |
| PROSENTIAL BENEFITS LLC3 Filed as: PROSENTIAL BENEFITS, LLC | 40 TIOGA WAY STE 230 MARBLEHEAD, MA 01945 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $307 | $307 | 0.72% |
| BENEFIT CONCEPTS INC3 | 1173 BRITTMOORE RD HOUSTON, TX 77043 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $8K | $4K | $12K | 28.51% |
| PROSENTIAL BENEFITS LLC3 Filed as: PROSENTIAL BENEFITS, LLC | 40 TIOGA WAY STE 230 MARBLEHEAD, MA 01945 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $326 | $326 | 0.79% |
| BENEFIT CONCEPTS INC3 | 1173 BRITTMOORE RD HOUSTON, TX 77043 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $7K | $3K | $10K | 28.34% |
| PROSENTIAL BENEFITS LLC3 Filed as: PROSENTIAL BENEFITS, LLC | 40 TIOGA WAY MARBLEHEAD, MA 01945 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $271 | $271 | 0.78% |
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 | 282 | 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) | 282 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | UNITEDHEALTHCARE INSURANCE COMPANY | 545 | $142K |
| Vision | UNITEDHEALTHCARE INSURANCE COMPANY | 545 | $142K |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 19 | $117K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 3 | $43K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 8 | $51K |
| Stop-loss / reinsurancereinsurance | BLUECROSS BLUESHIELD OF TEXAS | 448 | $604K |
| Other(3 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 112 | $194K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 545 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.