| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BCI INSURANCE SOLUTIONS, INC.3 | 800 GESSNER ROAD, SUITE 300 HOUSTON, TX 77024 | BLUECROSS BLUESHIELD OF TEXAS | $77K | $16K | $93K | 2.26% |
| USI INSURANCE SERVICES LLC3 | 711 EISENHOWER DRIVE KIMBERLY, WI 54136 | BLUECROSS BLUESHIELD OF TEXAS | $28K | $0 | $28K | 0.67% |
| BCI INSURANCE SOLUTIONS, INC.3 | 800 GESSNER ROAD, SUITE 300 HOUSTON, TX 77024 | PRINCIPAL LIFE INSURANCE COMPANY | $60K | $27K | $87K | 12.11% |
| CENTRO BENEFITS RESEARCH LLC3 Filed as: CENTRO BENEFITS RESEARCH, LLC | 200 GALLERIA PARKWAY SE, SUITE 1950 ATLANTA, GA 30339 | PRINCIPAL LIFE INSURANCE COMPANY | $0 | $22K | $22K | 3.08% |
| USI INSURANCE SERVICES LLC3 | PO BOX 62819 VIRGINIA BEACH, VA 23466 | PRINCIPAL LIFE INSURANCE COMPANY | $14K | $0 | $14K | 2.01% |
| GIS BENEFITS INC3 Filed as: GIS BENEFITS, INC. | 422 WAUPONSEE STREET MORRIS, IL 60450 | PRINCIPAL LIFE INSURANCE COMPANY | $0 | $9K | $9K | 1.21% |
| USI INSURANCE SERVICES LLC3 | PO BOX 62817 VIRGINIA BEACH, VA 23466 | PRINCIPAL LIFE INSURANCE COMPANY | $7K | $0 | $7K | 0.97% |
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 | 524 | 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) | 524 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUECROSS BLUESHIELD OF TEXAS | 744 | $4.1M |
| Dental | PRINCIPAL LIFE INSURANCE COMPANY | 876 | $721K |
| Vision | PRINCIPAL LIFE INSURANCE COMPANY | 876 | $721K |
| Life insurance | PRINCIPAL LIFE INSURANCE COMPANY | 876 | $721K |
| Short-term disability | PRINCIPAL LIFE INSURANCE COMPANY | 876 | $721K |
| Long-term disability | PRINCIPAL LIFE INSURANCE COMPANY | 876 | $721K |
| Prescription drug | BLUECROSS BLUESHIELD OF TEXAS | 744 | $4.1M |
| Other | PRINCIPAL LIFE INSURANCE COMPANY | 876 | $721K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 876 | — |
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.