| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| INSGROUP INC3 | 5151 SAN FELIPE ST FL 17 HOUSTON, TX 77056 | BLUE CROSS BLUE SHIELD OF TEXAS | $68K | — | $68K | 3.77% |
| CRYSTAL IBC LLC3 | 32 OLD SLIP RD., 17TH FLOOR NEW YORK, NY 10005 | METROPOLITAN LIFE INSURANCE COMPANY | $16K | $2K | $18K | 5.80% |
| INSGROUP INC3 | 5151 SAN FELIPE ST FL 17 HOUSTON, TX 77056 | METROPOLITAN LIFE INSURANCE COMPANY | $13K | $49 | $13K | 4.23% |
| INSGROUP INC3 Filed as: INSGROUP, INCORPORATED | 5151 SAN FELIPE, SUITE 2400 HOUSTON, TX 77056 | EYEMED VISION CARE ON BEHALF FIDELITY SECURITY LIFE INSURANCE COMPANY | $2K | — | $2K | 7.32% |
| CRYSTAL IBC LLC3 | 32 OLD SLIP RD., 17TH FLOOR NEW YORK, NY 10005 | EYEMED VISION CARE ON BEHALF FIDELITY SECURITY LIFE INSURANCE COMPANY | $737 | — | $737 | 2.89% |
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT INSURANCE SERVICES - HOUSTO | 5444 WESTHEIMBER RD. #900 HOUSTON, TX 77056 | EYEMED VISION CARE ON BEHALF FIDELITY SECURITY LIFE INSURANCE COMPANY | $254 | — | $254 | 1.00% |
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 | 316 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 318 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF TEXAS | 474 | $1.8M |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 840 | $308K |
| Vision | EYEMED VISION CARE ON BEHALF FIDELITY SECURITY LIFE INSURANCE COMPANY | 418 | $26K |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 840 | $308K |
| Short-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 840 | $308K |
| Long-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 840 | $308K |
| Other | METROPOLITAN LIFE INSURANCE COMPANY | 840 | $308K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 840 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.