| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ETHIXS INSURANCE GROUP3 | 2550 GRAY FALLS DRIVE, SUITE 350 HOUSTON, TX 77077 | UNITEDHEALTHCARE INSURANCE COMPANY | $19K | $55K | $74K | 5.64% |
| INSGROUP INC3 Filed as: INSGROUP, LLC | 5151 SAN FELIPE STREET, SUITE 2400 HOUSTON, TX 77056 | UNITEDHEALTHCARE INSURANCE COMPANY | -$12 | $259 | $247 | 0.02% |
| TBX EMPLOYEE BENEFITS LLC3 Filed as: TBX EMPLOYEE BENEFITS, LLC | 7500 DALLAS PARKWAY, SUITE 550 PLANO, TX 75024 | METROPOLITAN LIFE INSURANCE COMPANY | $22K | $2K | $24K | 22.19% |
| INSGROUP INC3 Filed as: ETHIXS INSURANCE GROUP PC | 1880 SOUTH DAIRY ASHFORD ROAD SUITE 539 HOUSTON, TX 77077 | METROPOLITAN LIFE INSURANCE COMPANY | $13K | $0 | $13K | 11.69% |
| ETHIXS INSURANCE GROUP3 | 26203 GINGER GABLES KATY, TX 77494 | TRUSTMARK INSURANCE COMPANY | $3K | $0 | $3K | 8.14% |
| TBX EMPLOYEE BENEFITS LLC3 Filed as: TBX EMPLOYEE BENEFITS, LLC | 7500 DALLAS PARKWAY, SUITE 550 PLANO, TX 75024 | TRUSTMARK INSURANCE COMPANY | $48 | $0 | $48 | 0.13% |
| JOE FERNANDEZ3 | 7500 DALLAS PARKWAY, SUITE 550 PLANO, TX 75024 | TRUSTMARK INSURANCE COMPANY | -$26 | $0 | -$26 | -0.07% |
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 | 308 | 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) | 308 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 723 | $1.3M |
| Dental | UNITEDHEALTHCARE INSURANCE COMPANY | 723 | $1.3M |
| Vision | UNITEDHEALTHCARE INSURANCE COMPANY | 723 | $1.3M |
| Life insurance(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 122 | $147K |
| Short-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 122 | $109K |
| Prescription drug | UNITEDHEALTHCARE INSURANCE COMPANY | 723 | $1.3M |
| Other | METROPOLITAN LIFE INSURANCE COMPANY | 122 | $109K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 723 | — |
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.