| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| INSGROUP INC3 Filed as: INSGROUP LLC | 5151 SA FELIPE STREET STE 2400 HOUSTON, TX 77056 | COMMUNITY INSURANCE COMPANY | $149K | $0 | $149K | 5.39% |
| INSGROUP INC3 Filed as: INSGROUP LLC | 1218 WEBSTER ST HOUSTON, TX 77002 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $22K | $3K | $25K | 11.49% |
| ALEXANDER BENEFITS CONSULTING3 Filed as: ALEXANDER N ARNET | PO BOX 1240 WATERTOWN, MN 55388 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $9K | $9K | 4.00% |
| INSGROUP INC3 | 1218 WEBSTER ST. HOUSTON, TX 77002 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $16K | $4K | $21K | 25.53% |
| ALEXANDER BENEFITS CONSULTING3 Filed as: ALEXANDER N ARNET | PO BOX 1240 WATERTOWN, MN 55388 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $4K | $4K | 5.00% |
| INSGROUP INC3 | 1218 WEBSTER ST. HOUSTON, TX 77002 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $12K | $5K | $17K | 21.90% |
| ALEXANDER BENEFITS CONSULTING3 Filed as: ALEXANDER N ARNET | PO BOX 1240 WATERTOWN, MN 55388 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $4K | $4K | 5.00% |
| INSGROUP INC3 | 1218 WEBSTER ST. HOUSTON, TX 77002 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $14K | $5K | $18K | 27.10% |
| ALEXANDER BENEFITS CONSULTING3 Filed as: ALEXANDER N ARNET | PO BOX 1240 WATERTOWN, MN 55388 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $3K | $3K | 5.00% |
| INSGROUP INC3 | 1218 WEBSTER ST. HOUSTON, TX 77002 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $3K | $467 | $4K | 11.37% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MCGOHAN BRABENDER AGENCY INC | 3931 S DIXIE DR DAYTON, OH 45439 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $47 | — | $47 | 1.13% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MCGOHAN BRABENDER AGENCY INC | 3931 S DIXIE DR DAYTON, OH 45439 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $113 | — | $113 | 15.03% |
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 | 418 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 418 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | COMMUNITY INSURANCE COMPANY | 285 | $2.8M |
| Dental | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 309 | $215K |
| Vision(2 contracts, 2 carriers) | COMMUNITY INSURANCE COMPANY | 291 | $2.8M |
| Life insurance(2 contracts) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 463 | $149K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 463 | $77K |
| Other(4 contracts, 3 carriers) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 463 | $154K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 463 | — |
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."
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.
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.