| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| INSGROUP INC3 Filed as: INSGROUP | — | BLUE CROSS BLUE SHIELD OF TEXAS | $86K | $5K | $91K | 3.71% |
| INSGROUP INC3 Filed as: INSGROUP INC DBA BUSINESS INS GROUP | 5151 SAN FELIPE, 24THH FLOOR HOUSTON, TX 77056 | DEARBORN LIFE INSURANCE COMPANY | $23K | — | $23K | 13.21% |
| INSGROUP INC3 Filed as: INSGROUP INS | 5151 SAN FELIPE ST FL 17 HOUSTON, TX 77056 | METROPOLITAN LIFE INSURANCE COMPANY | $12K | $29 | $12K | 12.48% |
| CRYSTAL IBC LLC3 | 32 OLD SLIP RD., 17TH FLOOR NEW YORK, NY 10005 | METROPOLITAN LIFE INSURANCE COMPANY | $11K | $1K | $12K | 11.93% |
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 | 381 | 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) | 381 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF TEXAS | 550 | $2.4M |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 833 | $100K |
| Vision | DEARBORN LIFE INSURANCE COMPANY | 381 | $172K |
| Life insurance | DEARBORN LIFE INSURANCE COMPANY | 381 | $172K |
| Short-term disability | DEARBORN LIFE INSURANCE COMPANY | 381 | $172K |
| Long-term disability | DEARBORN LIFE INSURANCE COMPANY | 381 | $172K |
| Other | DEARBORN LIFE INSURANCE COMPANY | 381 | $172K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 833 | — |
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.