| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| INSGROUP INC3 Filed as: INSGROUP, INC. | 1455 W LOOP S. FL. 9 HOUSTON, TX 77027 | BLUECROSS BLUESHIELD OF TEXAS | $42K | $17 | $42K | 2.99% |
| ADMINASOURCE INC3 | 117 N GOLD DR BLDG 1 ROBBINSVILLE, NJ 08691 | BLUECROSS BLUESHIELD OF TEXAS | $34K | $3K | $36K | 2.59% |
| KILPATRICK COMPANIES LLC3 Filed as: KILPATRICK COMPANIES, LLC | 1050 WILCREST DRIVE HOUSTON, TX 77042 | BLUECROSS BLUESHIELD OF TEXAS | $7K | $8 | $7K | 0.49% |
| ROSCOE PROPERTIES, INC.0 | 602 W 7TH ST AUSTIN, TX 787012741 | BLUECROSS BLUESHIELD OF TEXAS | — | $14 | $14 | 0.00% |
| INSGROUP INC3 Filed as: INSGROUP, INC. | 1455 W LOOP S. FL. 9 HOUSTON, TX 77027 | UNION SECURITY INSURANCE COMPANY | $6K | — | $6K | 5.15% |
| TRICOR, INC3 Filed as: ADMINASOURCE INC DBA TRICORE | 117 N GOLD DR BLDG 1 ROBBINSVILLE, NJ 08691 | UNION SECURITY INSURANCE COMPANY | $5K | — | $5K | 4.87% |
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 | 230 | 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) | 230 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUECROSS BLUESHIELD OF TEXAS | 308 | $1.4M |
| Dental(2 contracts, 2 carriers) | BLUECROSS BLUESHIELD OF TEXAS | 308 | $1.5M |
| Vision | UNION SECURITY INSURANCE COMPANY | 230 | $110K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 308 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
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.