| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| AMERICANIZED BENEFITS CONSULTANTS3 | 9575 KATY FREEWAY SUITE 150 HOUSTON, TX 770241489 | BLUECROSS BLUESHIELD OF TEXAS | $36K | — | $36K | 3.77% |
| KILPATRICK COMPANIES LLC3 | 1050 WILCREST DRIVE HOUSTON, TX 77042 | BLUECROSS BLUESHIELD OF TEXAS | — | $16K | $16K | 1.71% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS LLC | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | BLUECROSS BLUESHIELD OF TEXAS | — | $14K | $14K | 1.47% |
| HIPSON INVESTMENTS, LLC3 | 2000 SOUTH DIARY ASHFORD ROAD #360 HOUSTON, TX 77077 | BLUECROSS BLUESHIELD OF TEXAS | — | $1K | $1K | 0.14% |
| MARSH & MCLENNAN AGENCY LLC3 | 2500 CITY WEST BOULVARD SUITE 2400 HOUSTON, TX 77042 | BLUECROSS BLUESHIELD OF TEXAS | — | -$3K | -$3K | -0.28% |
| BRANDON BOEHM3 Filed as: BRANDON R. BOEHM | 9575 KATY FREEWAY SUITE 150 HOUSTON, TX 770241489 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $4K | — | $4K | 4.29% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS LLC | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $3K | — | $3K | 3.76% |
| AMERICANIZED BENEFITS CONSULTANTS3 | 9575 KATY FREEWAY SUITE 150 HOUSTON, TX 770241489 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $2K | — | $2K | 2.81% |
| AMERICANIZED BENEFITS CONSULTANTS3 | 9575 KATY FREEWAY SUITE 150 HOUSTON, TN 770241489 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $3K | — | $3K | 9.70% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS LLC | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $1K | — | $1K | 5.31% |
| SHIRLEY SASTRE SOUTO3 Filed as: SHIRLEY SASTRE-SOUTO | 1401 TUNIS STREET CORAL GABLES, FL 33134 | CONTINENTAL AMERICAN INSURANCE COMPANY | $6K | — | $6K | 33.63% |
| CONSULTANTS AMERICANIZED BENEFITS3 | 9545 KATY FREEWAY #340 HOUSTON, TX 77024 | CONTINENTAL AMERICAN INSURANCE COMPANY | $5K | — | $5K | 27.82% |
| NOEL EUGENE BEENE3 Filed as: NOEL E. BEENE | 17234 KOBUK VALLEY CIRCLE HUMBLE, TX 77346 | CONTINENTAL AMERICAN INSURANCE COMPANY | $2K | — | $2K | 10.11% |
| EILEEN SANCHEZ MEDINA3 Filed as: EILEEN SANCHEZ-MEDINA | 6100 SW 444 TERRACE MIAMI, FL 33155 | CONTINENTAL AMERICAN INSURANCE COMPANY | $2K | — | $2K | 9.68% |
| MICHELLE PUGET3 | 410 NORTH COCHRAN STREET BELLVILLE, TX 77418 | CONTINENTAL AMERICAN INSURANCE COMPANY | $1K | — | $1K | 6.53% |
| NOEL EUGENE BEENE3 Filed as: NOEL E. BEENE | 17234 KOBUK VALLEY CIRCLE HUMBLE, TX 77346 | CONTINENTAL AMERICAN INSURANCE COMPANY | $762 | — | $762 | 3.99% |
| MICHELLE PUGET3 Filed as: MICHELLE T. PUGET | 8331 WEDNESBURY LANE HOUSTON, TX 77074 | CONTINENTAL AMERICAN INSURANCE COMPANY | $751 | — | $751 | 3.94% |
| ROBERT PILKENTON3 | 1039 LOUISE STREET SUITE 100 HOUSTON, TN 77009 | CONTINENTAL AMERICAN INSURANCE COMPANY | $405 | — | $405 | 2.12% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS ADMIN LLC | PO BOX 310502 DES MOINES, IA 50331 | CONTINENTAL AMERICAN INSURANCE COMPANY | $400 | — | $400 | 2.10% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS LLC | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | CONTINENTAL AMERICAN INSURANCE COMPANY | $15 | — | $15 | 0.08% |
| AMERICANIZED BENEFITS CONSULTANTS3 | 9575 KATY FREEWAY SUITE 150 HOUSTON, TX 770241489 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $243 | — | $243 | 9.60% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS LLC | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $137 | — | $137 | 5.41% |
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 | 387 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 5 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 392 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUECROSS BLUESHIELD OF TEXAS | 262 | $949K |
| Dental | RELIANCE STANDARD LIFE INSURANCE COMPANY | 451 | $82K |
| Vision | RELIANCE STANDARD LIFE INSURANCE COMPANY | 451 | $82K |
| Life insurance | RELIANCE STANDARD LIFE INSURANCE COMPANY | 354 | $27K |
| Short-term disability | CONTINENTAL AMERICAN INSURANCE COMPANY | 141 | $19K |
| Prescription drug | BLUECROSS BLUESHIELD OF TEXAS | 262 | $949K |
| Other(2 contracts) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 354 | $29K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 451 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.