| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| INSGROUP INC3 Filed as: INSGROUP, LLC | — | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $63K | — | $63K | 9.17% |
| K&S INSURANCE AGENCY3 | — | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $42K | $0 | $42K | 6.10% |
| INSGROUP INC3 Filed as: INSGROUP INC. DBA BUSINESS INS | 2255 RIDGE ROAD SUITE 333 ROCKWALL, TX 75087 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $19K | $0 | $19K | 10.83% |
| E F G & M LP3 | 595 ROUND ROCK WEST DRIVE ROUND ROCK, TX 78681 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $8K | $2K | $10K | 11.29% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP INSURANCE SERVICES, INC | 1250 CAPITAL OF TEXAS HIGHWAY BUILDING 2, SUITE 125 AUSTIN, TX 78746 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $0 | $0 | $0 | 0.00% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| CIGNA HEALTH AND LIFE INSURANCE COM EIN 59-1031071 PLAN ADMINISTRATOR | Contract Administrator; Direct payment from the plan; Claims processing; Other services; Participant communication; Named fiduciary; Non-monetary compensation; Float revenue Service code 12 | — | $4K |
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 | 378 | 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) | 378 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 347 | $687K |
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 330 | $173K |
| Vision | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 330 | $173K |
| Life insurance | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 330 | $173K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 319 | $90K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 319 | $90K |
| Other | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 330 | $173K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 347 | — |
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.
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.