| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| IPS ADVISORS3 Filed as: IPS ADVISORS, INC | 10000 NORTH CENTRAL EXPY SUITE 1100 DALLAS, TX 75231 | BLUECROSS BLUESHIELD OF TEXAS | $36K | $765 | $37K | 4.22% |
| INSGROUP INC3 | 1455 WEST LOOP SOUTH 9TH FLOOR HOUSTON, TX 77027 | BLUECROSS BLUESHIELD OF TEXAS | $7K | — | $7K | 0.74% |
| IPS ADVISORS3 Filed as: IPS ADVISORS, INC. | 10000 NORTH CENTRAL EXPY SUITE 1100 DALLAS, TX 75231 | KAISER FOUNDATION HEALTH PLAN INC | $8K | — | $8K | 6.25% |
| IPS ADVISORS3 Filed as: IPS ADVISORS INC | 10000 NORTH CENTRAL EXPRESSWAY SUITE 1100 DALLAS, TX 75231 | HUMANA INSURANCE COMPANY | $5K | $1K | $6K | 10.35% |
| INSGROUP INC3 | 5151 SAN FELIPE STREET SUITE 17 HOUSTON, TX 77056 | HUMANA INSURANCE COMPANY | $926 | — | $926 | 1.51% |
| IPS ADVISORS3 Filed as: IPS ADVISORS INC | 10000 NORTH CENTRAL EXPY SUITE 1100 DALLAS, TX 75231 | HUMANA INSURANCE COMPANY | $5K | $1K | $6K | 12.23% |
| IPS ADVISORS3 Filed as: IPS ADVISORS INC | 10000 NORTH CENTRAL EXPY SUITE 1100 DALLAS, TX 75231 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $2K | $290 | $2K | 17.06% |
| IPS ADVISORS3 Filed as: IPS ADVISORS, INC. | 10000 NORTH CENTRAL EXPY SUITE 1100 DALLAS, TX 75231 | KAISER FOUNDATION HEALTH PLAN INC | $1K | — | $1K | 8.33% |
| IPS ADVISORS3 Filed as: IPS ADVISORS INC | 10000 NORTH CENTRAL EXPRESSWAY SUITE 1100 DALLAS, TX 75231 | HM LIFE INSURANCE COMPANY | $759 | — | $759 | 8.63% |
| INSGROUP INC3 | 1455 WEST LOOP SOUTH 9TH FLOOR HOUSTON, TX 77027 | HM LIFE INSURANCE COMPANY | $121 | — | $121 | 1.38% |
| IPS ADVISORS3 Filed as: IPS ADVISORS INC | 10000 NORTH SENTRAL EXPY SUITE 1100 DALLAS, TX 75231 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $1K | $134 | $1K | 16.71% |
| IPS ADVISORS3 Filed as: IPS ADVISORS INC | 10000 NORTH CENTRAL EXPY SUITE 1100 DALLAS, TX 75231 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $982 | $122 | $1K | 16.86% |
| IPS ADVISORS3 Filed as: IPS ADVISORS INC | 10000 NORTH CENTRAL EXPY SUITE 1100 DALLAS, TX 75231 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $429 | $66 | $495 | 17.33% |
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 | 182 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 183 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 2 carriers) | BLUECROSS BLUESHIELD OF TEXAS | 109 | $1.0M |
| Dental(2 contracts) | HUMANA INSURANCE COMPANY | 114 | $113K |
| Vision | HM LIFE INSURANCE COMPANY | 109 | $9K |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 206 | $14K |
| Short-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 50 | $7K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 53 | $8K |
| Other(2 contracts) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 206 | $17K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 206 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.