| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BENEFIT CONCEPT INC | 800 GESSNER ROAD STE 300 HOUSTON, TX 77024 | BLUE CROSS BLUE SHIELD | $40K | — | $40K | — |
| BCI INSURANCE SOLUTIONS, INC. Filed as: BCI INSURANCE SOLUTIONS, INC | 800 GESSNER ROAD STE 300 HOUSTON, TX 77024 | BLUE CROSS BLUE SHIELD | $22K | — | $22K | — |
| BCI INSURANCE SOLUTIONS, INC. Filed as: BCI INSURANCE SOLUTIONS, INC | 800 GESSNER ROAD STE 300 HOUSTON, TX 77024 | GUARDIAN | $18K | — | $18K | — |
| CENTRO BENEFITS RESEARCH LLC Filed as: CENTRO BENEFITS RESEARCH | 325 N KIRKWOOD ROAD STE 300 KIRKWOOD, MO 63122 | GUARDIAN | $8K | — | $8K | — |
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 | 204 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 5 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 209 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD | 204 | $0 |
| Dental | GUARDIAN | 175 | $0 |
| Vision | GUARDIAN | 175 | $0 |
| Life insurance | GUARDIAN | 175 | $0 |
| Short-term disability | GUARDIAN | 175 | $0 |
| Long-term disability | GUARDIAN | 175 | $0 |
| Prescription drug | BLUE CROSS BLUE SHIELD | 204 | $0 |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 204 | — |
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."
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.