Form 5500 · Employee benefit plan · HOUSTON, TX
VISIBLE CHANGES, INC
The filing calls this plan VISIBLE CHANGES INC FLEX BENEFIT PLAN.
VISIBLE CHANGES, INC of HOUSTON, TX spreads its employee benefits across 5 insurance carriers, according to its Form 5500 Schedule A. Its broker of record is DIGITAL INSURANCE INC.. Coverage is written through CIGNA HEALTH AND LIFE INSURANCE COMPANY and 4 other carriers. The plan's most recent policy period ended in December.
Sourced from U.S. DOL EFAST2 Form 5500 · EIN 74-1940259 · plan 502 · plan year 2024, filed Oct 17, 2025
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How this plan is funded
Funding not settled by the filing
The filing does not report enough to settle how this plan pays for benefits.
Benefits declared on this filing
Declared benefits are the plan’s own line 8b codes on Form 5500. “Not on Schedule A” means no insured contract for that line appears on this filing. That usually means the benefit is self-funded, or it sits under a different plan number.
Where a line has more than one insured contract, the carrier and the covered figure are the largest contract's by premium. The contracts are not added up: a pharmacy carve-out and the medical carrier beside it cover the same people.
Persons covered is the count the carrier filed for that policy at the end of its policy year, and it can include dependents. Participants is the plan's own count at the start of its plan year. The two count different people, so a covered figure can be larger.
Plan brief
Schedule A lists 9 insured contracts covering health, dental, vision, life and disability; the largest, with CIGNA HEALTH AND LIFE INSURANCE COMPANY, covers 193 people.
Reported premium across the insured contracts is $705,307, with $146,542 in disclosed broker commissions — about 21% of premium.
The most recent policy period ended in December, and the plan year ends December 31. Group contracts typically renew on that annual cycle.
DIGITAL INSURANCE INC. is the broker of record on 6 of the 9 contracts; the rest name a different broker or none.
5 carriers appear on the filing, including CIGNA HEALTH AND LIFE INSURANCE COMPANY, HUMANA INSURANCE COMPANY, UNITED OF OMAHA LIFE INSURANCE COMPANY and TELADOC HEALTH, INC.. CIGNA HEALTH AND LIFE INSURANCE COMPANY writes the largest contract by premium.
Schedule A insurance contracts
| Carrier | Benefits | Covered | Renews | Premium | Commission |
|---|---|---|---|---|---|
| CIGNA HEALTH AND LIFE INSURANCE COMPANY | Health | 193 | Jan 1, 2025 | $324,126 | $84,652 |
| HUMANA INSURANCE COMPANY | Dental, Vision | 307 | Jan 1, 2025 | $117,271 | $17,946 |
| UNITED OF OMAHA LIFE INSURANCE COMPANY | Life | 93 | Jan 1, 2025 | $69,298 | $13,860 |
| UNITED OF OMAHA LIFE INSURANCE COMPANY | Disability | 138 | Jan 1, 2025 | $84,275 | $12,641 |
| UNITED OF OMAHA LIFE INSURANCE COMPANY | — | 107 | Jan 1, 2025 | $39,721 | $7,944 |
| UNITED OF OMAHA LIFE INSURANCE COMPANY | Disability | 121 | Jan 1, 2025 | $32,830 | $3,283 |
| UNITED OF OMAHA LIFE INSURANCE COMPANY | Life | 209 | Jan 1, 2025 | $17,018 | $2,553 |
| TELADOC HEALTH, INC. | — | 220 | Jan 1, 2025 | $13,881 | $2,082 |
| HUMANA-DENTICARE, INC | Dental | 29 | Jan 1, 2025 | $6,887 | $1,581 |
Covered = persons covered at policy year end, as filed on Schedule A for that policy — often certificates or one class, not the whole plan. Premium = the filing’s own premium/charges figure; “—” means not credibly reported.
Administrator and service providers
The plan administrator is from line 3a of the main form. We publish company names only.
Other plans filed by this employer
How this plan compares
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