| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| INSGROUP INC3 Filed as: INSGROUP, LLC | — | BLUE CROSS AND BLUESHIELD OF TEXAS | $19K | — | $19K | 3.53% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES, INC | — | BLUE CROSS AND BLUESHIELD OF TEXAS | $11K | — | $11K | 1.97% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES | 221 WEST 6TH STREET SUITE 1980 AUSTIN, TX 78701 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $1K | — | $1K | 4.91% |
| INSGROUP INC3 Filed as: INSGROUP, INC | 5151 SAN FELIPE 24TH FLOOR HOUSTON, TX 77056 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $559 | — | $559 | 2.57% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 2850 WEST GOLF ROAD 11TH FLOOR ROLLING MEADOWS, IL 60008 | UNUM LIFE INSURANCE COMPANY OF AMERICA | — | $172 | $172 | 0.79% |
| INSGROUP INC3 Filed as: INSGROUP INC DBA BUSINESS INS GROUP | 5151 SAN FELIPE 24TH FLOOR HOUSTON, TX 77056 | DEARBORN LIFE INSURANCE COMPANY | $844 | — | $844 | 7.33% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES | PO BOX 3009 ARLINGTON HEIGHTS, IL 60006 | DEARBORN LIFE INSURANCE COMPANY | $308 | — | $308 | 2.67% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES | 221 WEST 6TH STREET SUITE 1980 AUSTIN, TX 78701 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $999 | — | $999 | 10.24% |
| INSGROUP INC3 Filed as: INSGROUP, INC | 5151 SAN FELIPE 24TH FLOOR HOUSTON, TX 77056 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $465 | — | $465 | 4.77% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | 2850 WEST GOLF ROAD 11TH FLOOR ROLLING MEADOWS, IL 60008 | UNUM LIFE INSURANCE COMPANY OF AMERICA | — | $83 | $83 | 0.85% |
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 | 414 | 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) | 414 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS AND BLUESHIELD OF TEXAS | 486 | $547K |
| Dental | BLUE CROSS AND BLUESHIELD OF TEXAS | 486 | $547K |
| Vision | DEARBORN LIFE INSURANCE COMPANY | 617 | $12K |
| Life insurance | UNUM LIFE INSURANCE COMPANY OF AMERICA | 1,008 | $22K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 1,008 | $22K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 44 | $10K |
| Other | UNUM LIFE INSURANCE COMPANY OF AMERICA | 1,008 | $22K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,008 | — |
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.
Final-filing indicator set. Plan is winding down; don't waste sales effort here.