| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| INSGROUP INC3 Filed as: INSGROUP, LLC | — | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $120K | $0 | $120K | 14.76% |
| INSGROUP INC3 Filed as: INSGROUP INC. DBA BUSINESS INS | 2255 RIDGE ROAD SUITE 333 ROCKWALL, TX 75087 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $20K | $5K | $25K | 12.72% |
| INSGROUP INC3 Filed as: INSGROUP LLC | 5151 SAN FELIPE ST 24TH FL HOUSTON, TX 77056 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $8K | $0 | $8K | 8.05% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| CIGNA HEALTH AND LIFE INSURANCE COM EIN 59-1031071 PLAN ADMINISTRATOR | Other services; Named fiduciary; Direct payment from the plan; Contract Administrator; Claims processing; Non-monetary compensation; Float revenue; Participant communication Service code 12 | — | $10K |
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 | 377 | 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) | 377 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 387 | $811K |
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 377 | $197K |
| Vision | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 377 | $197K |
| Life insurance | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 377 | $197K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 361 | $94K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 361 | $94K |
| Other | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 377 | $197K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 387 | — |
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."
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.