| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| INSGROUP INC3 Filed as: INSGROUP, INC. | 5151 SAN FELIPE STREET HOUSTON, TX 77056 | UNITEDHEALTHCARE INSURANCE COMPANY | $14K | $64K | $77K | 5.74% |
| SARAH HALL3 | 122 ALMOND DRIVE LAKE JACKSON, TX 77566 | AFLAC | $1K | $215 | $2K | 20.82% |
| JOE ANTHONY RODRIGUEZ3 | 902 DIPPING LANE HOUSTON, TX 77076 | AFLAC | $387 | $28 | $415 | 5.57% |
| ERIC D WESTALL3 Filed as: ERIC D. WESTALL | 1207 TANGLE BRIAR DRIVE SEABROOK, TX 77586 | AFLAC | $133 | $34 | $167 | 2.24% |
| ERID D. WESTALL3 | 2626 SOUTH LOOP WEST, SUITE 340 HOUSTON, TX 77054 | AFLAC | $92 | $0 | $92 | 1.24% |
| MARY E HUCKABEE3 Filed as: MARY S. GILBREATH | 1327 MEADOWLARK LANE SUGAR LAND, TX 77478 | AFLAC | $14 | $42 | $56 | 0.75% |
| INSGROUP INC3 Filed as: INSGROUP, INC. | 1455 WEST LOOP SOUTH, 9TH FLOOR HOUSTON, TX 77056 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $2K | $816 | $3K | 113.92% |
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 | 364 | 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) | 364 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 364 | $1.3M |
| Dental | UNITEDHEALTHCARE INSURANCE COMPANY | 364 | $1.3M |
| Vision | UNITEDHEALTHCARE INSURANCE COMPANY | 364 | $1.3M |
| Life insurance | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 81 | $2K |
| Prescription drug | UNITEDHEALTHCARE INSURANCE COMPANY | 364 | $1.3M |
| Other | AFLAC | 10 | $7K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 364 | — |
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.
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.