| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| INSGROUP INC3 Filed as: INSGROUP | 1455 WEST LOOP SOUTH 9TH FLOOR HOUSTON, TX 77027 | VOYA | $0 | $46K | $46K | 10.00% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| BENEFIT MANAGEMENT ADMINISTRATORS EIN 74-2666683 THRID PARTY ADMINISTRATOR | Plan Administrator Service code 14 | 11550 IH 10 WEST SUITE 220 SAN ANTONIO, TX 78230 | $113K |
| PRUDENTIAL EIN 22-1211670 LIFE & LTD ADMINISTRATOR | Contract Administrator Service code 13 | ONE CORPORATE DRIVE SHELTON, CT 06484 | $24K |
| INSGROUP EIN 76-0663719 BROKER | Insurance agents and brokers Service code 22 | 1455 WEST LOOP SOUTH 9TH FLOOR HOUSTON, TX 77027 | $16K |
| MULTIPLAN EIN 13-3068979 PPO ACCESS | Claims processing Service code 12 | 115 FIFTH AVENUE NEW YORK, NY 10003 | $15K |
| INETICO EIN 20-0457663 UTILIZATION FEE | Claims processing Service code 12 | PO BOX 10972 TAMPA, FL 33679 | $10K |
| HEALTH PORTAL SOLUTIONS EIN 74-2950143 TELEMEDICINE | Other services Service code 49 | 11550 IH 10 WEST SUITE 220 SAN ANTONIO, TX 78230 | $5K |
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 | 250 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 250 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | VOYA | 307 | $461K |
| Dental | VOYA | 307 | $461K |
| Life insurance | VOYA | 307 | $461K |
| Long-term disability | VOYA | 307 | $461K |
| Stop-loss / reinsurancereinsurance | VOYA | 307 | $461K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 307 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.