| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| INSGROUP INC3 Filed as: INSGROUP, LLC | 5151 SAN FELIPE ST STE 2400 HOUSTON, TX 770563632 | UNITEDHEALTHCARE INSURANCE COMPANY | $0 | $217K | $217K | 9.35% |
| INSGROUP INC3 Filed as: INSGROUP, INC. | 5151 SAN FELIPE ST FL 24 HOUSTON, TX 77056 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $47K | $10K | $57K | 15.70% |
| BENEUSA LLC3 | 261 SCHOOL AVE STE 350 EXCELSIOR, MN 55331 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $12K | $12K | 3.44% |
| FMLASOURCE INC5 | 455 N CITYFRONT PLZ DR 13TH FLOOR CHICAGO, IL 60611 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $3K | $3K | 0.95% |
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 | 206 | 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) | 206 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 412 | $2.3M |
| Dental | UNITED OF OMAHA LIFE INSURANCE COMPANY | 206 | $362K |
| Vision | UNITED OF OMAHA LIFE INSURANCE COMPANY | 206 | $362K |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 206 | $362K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 206 | $362K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 206 | $362K |
| Other | UNITED OF OMAHA LIFE INSURANCE COMPANY | 206 | $362K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 412 | — |
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.