| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| INSGROUP INC3 | 5151 SAN FELIPE 24TH FLOOR HOUSTON, TX 77056 | BLUECROSS BLUESHIELD OF TEXAS | $105K | $3K | $108K | 16.95% |
| BENEFIT CONCEPTS INC3 | 1173 BRITTMOORE ROAD HOUSTON, TX 77043 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $32K | $4K | $36K | 22.65% |
| JENNINGS INSURANCE SERVICES3 | 10524 MOSS PARK ROAD #206-306 ORLANDO, FL 32832 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $4K | $4K | 2.60% |
| ENROLLMENT ALLIANCE LLC3 | 1724 EAST 5TH AVENUE TAMPA, FL 33605 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $2K | $2K | 1.40% |
| INSGROUP INC3 | 5151 SAN FELIPE 24TH FLOOR HOUSTON, TX 77056 | BLUECROSS BLUESHIELD OF TEXAS | $12K | $10K | $22K | 17.48% |
| BENEFIT CONCEPTS INC3 | 1173 BRITTMOORE ROAD HOUSTON, TX 77043 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $14K | $2K | $16K | 22.34% |
| JENNINGS INSURANCE SERVICES3 | 10524 MOSS PARK ROAD #206-306 ORLANDO, FL 32832 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $2K | $2K | 2.62% |
| ENROLLMENT ALLIANCE LLC3 | 1724 EAST 5TH AVENUE TAMPA, FL 33605 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $958 | $958 | 1.38% |
| BENEFIT CONCEPTS INC3 | 1173 BRITTMOORE ROAD HOUSTON, TX 77043 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $11K | $2K | $12K | 22.85% |
| JENNINGS INSURANCE SERVICES3 | 10524 MOSS PARK ROAD #206-306 ORLANDO, FL 32832 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $1K | $1K | 2.61% |
| ENROLLMENT ALLIANCE LLC3 | 1724 EAST 5TH AVENUE TAMPA, FL 33605 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $761 | $761 | 1.39% |
| BENEFIT CONCEPTS INC3 | 1173 BRITTMOORE ROAD HOUSTON, TX 77043 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $8K | $1K | $9K | 22.99% |
| INSGROUP INC3 Filed as: INSGROUP INC DBA BUSINESS INS GROUP | 5151 SAN FELIPE 24TH FLOOR HOUSTON, TN 77056 | DEARBORN LIFE INSURANCE COMPANY | $3K | $1K | $5K | 14.38% |
| BENEFIT CONCEPTS INC3 | 1173 BRITTMOORE ROAD HOUSTON, TX 77043 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $6K | $1K | $7K | 24.09% |
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 | 296 | 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) | 296 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | BLUECROSS BLUESHIELD OF TEXAS | 553 | $128K |
| Vision | DEARBORN LIFE INSURANCE COMPANY | 272 | $33K |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 277 | $161K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 139 | $55K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 111 | $69K |
| Stop-loss / reinsurancereinsurance | BLUECROSS BLUESHIELD OF TEXAS | 510 | $634K |
| Other(3 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 277 | $229K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 553 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.