| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| INSGROUP INC3 | 5151 SAN FELIPE STREET SUITE 17 HOUSTON, TX 77056 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $43K | — | $43K | 13.72% |
| ELIAS HENRY HOCHMAN3 | 1455 WEST LOOP SOUTH 9TH FLOOR HOUSTON, TX 77027 | KAISER FOUNDATION HEALTH PLAN INC | $8K | — | $8K | 5.21% |
| IPS ADVISORS3 Filed as: IPS ADVISORS INC | 10000 NORTH SENTRAL EXPY SUITE 1100 DALLAS, TX 75231 | KAISER FOUNDATION HEALTH PLAN INC | $711 | — | $711 | 0.48% |
| INSGROUP INC3 | 5151 SAN FELIPE STREET SUITE 17 HOUSTON, TX 77056 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | $7K | — | $7K | 9.85% |
| INSGROUP INC3 | 1455 WEST LOOP SOUTH 9TH FLOOR HOUSTON, TX 77027 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $4K | — | $4K | 14.72% |
| IPS ADVISORS3 Filed as: IPS ADVISORS INC | 10000 NORTH CENTRAL EXPRESSWAY SUITE 1100 DALLAS, TX 75231 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $73 | $249 | $322 | 1.26% |
| INSGROUP INC3 | 1455 WEST LOOP SOUTH 9TH FLOOR HOUSTON, TX 77027 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $2K | — | $2K | 14.43% |
| IPS ADVISORS3 Filed as: IPS ADVISORS INC | 10000 NORTH CENTRAL EXPRESSWAY SUITE 1100 DALLAS, TX 75231 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $89 | $117 | $206 | 1.32% |
| ELIAS HENRY HOCHMAN3 | 1455 WEST LOOP SOUTH 9TH FLOOR HOUSTON, TX 77027 | KAISER FOUNDATION HEALTH PLAN INC | $676 | — | $676 | 4.71% |
| IPS ADVISORS3 Filed as: IPS ADVISORS, INC. | 10000 NORTH CENTRAL EXPY SUITE 1100 DALLAS, TX 75231 | KAISER FOUNDATION HEALTH PLAN INC | $95 | — | $95 | 0.66% |
| INSGROUP INC3 | 1455 WEST LOOP SOUTH 9TH FLOOR HOUSTON, TX 77027 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $2K | — | $2K | 14.45% |
| IPS ADVISORS3 Filed as: IPS ADVISORS INC | 10000 NORTH CENTRAL EXPY SUITE 1100 DALLAS, TX 75231 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $61 | $142 | $203 | 1.83% |
| INSGROUP INC3 | 1455 WEST LOOP SOUTH 9TH FLOOR HOUSTON, TX 77027 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $642 | — | $642 | 14.38% |
| IPS ADVISORS3 Filed as: IPS ADVISORS INC | 10000 NORTH CENTRAL EXPRESSWAY SUITE 1100 DALLAS, TX 75231 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $28 | $50 | $78 | 1.75% |
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 | 111 | 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) | 111 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 2 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 95 | $473K |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 121 | $66K |
| Vision | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 121 | $66K |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 170 | $26K |
| Short-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 76 | $16K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 82 | $11K |
| Other(2 contracts) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 170 | $30K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 170 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
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.