| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| INSGROUP INC3 | — | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $65K | $86K | $151K | 24.75% |
| INS GROUP INC3 | 1455 W LOOP S 9TH FLR HOUSTON, TX 77027 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | $16K | — | $16K | 9.94% |
| BENEFIT SOLUTIONS INC3 Filed as: BENEFIT SOLUTIONS LP | 3131 W ALABAMA ST 4TH FL HOUSTON, TX 77098 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $7K | — | $7K | 14.98% |
| BENEFIT SOLUTIONS INC3 Filed as: BENEFIT SOLUTIONS LP | 3131 W ALABAMA ST 4TH FL HOUSTON, TX 77098 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $3K | — | $3K | 15.00% |
| BENEFIT SOLUTIONS INC3 Filed as: BENEFIT SOLUTIONS LP | 3131 W ALABAMA ST 4TH FL HOUSTON, TX 77098 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $2K | — | $2K | 15.00% |
| BENEFIT SOLUTIONS INC3 Filed as: BENEFIT SOLUTIONS LP | 3131 W ALABAMA ST 4TH FL HOUSTON, TX 77098 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $837 | — | $837 | 15.00% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| CIGNA HEALTH AND LIFE INSURANCE CO | Other services; Participant communication; Claims processing; Direct payment from the plan; Non-monetary compensation; Named fiduciary; Contract Administrator; Float revenue Service code 12 | — | $0 |
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 | 150 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 150 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 119 | $611K |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 119 | $158K |
| Vision | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 119 | $158K |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 0 | $46K |
| Short-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 0 | $19K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 0 | $12K |
| Other | LIFE INSURANCE COMPANY OF NORTH AMERICA | 0 | $6K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 119 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.