| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| INSGROUP INC3 Filed as: INSGROUP, LLC | — | BLUECROSS BLUESHIELD OF TEXAS | $104K | $2K | $105K | 15.12% |
| BENEFIT CONCEPTS INC3 | 1173 BRITTMOORE ROAD HOUSTON, TX 77043 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $34K | $6K | $41K | 23.56% |
| ENROLLMENT ALLIANCE LLC3 | 1724 EAST 5TH AVENUE TAMPA, FL 33605 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $7K | $7K | 4.00% |
| INSGROUP INC3 Filed as: INSGROUP, LLC | — | BLUECROSS BLUESHIELD OF TEXAS | $13K | $2K | $15K | 11.54% |
| BENEFIT CONCEPTS INC3 | 1173 BRITTMOORE ROAD HOUSTON, TX 77043 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $19K | $3K | $22K | 22.81% |
| ENROLLMENT ALLIANCE LLC3 | 1724 EAST 5TH AVENUE TAMPA, FL 33605 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $4K | $4K | 4.00% |
| BENEFIT CONCEPTS INC3 | 1173 BRITTMOORE ROAD HOUSTON, TX 77043 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $13K | $2K | $15K | 23.14% |
| ENROLLMENT ALLIANCE LLC3 | 1724 EAST 5TH AVENUE TAMPA, FL 33605 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $3K | $3K | 4.00% |
| BENEFIT CONCEPTS INC3 | 1173 BRITTMOORE ROAD HOUSTON, TX 77043 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $8K | $1K | $9K | 23.86% |
| INSGROUP INC3 Filed as: INSGROUP INC DBA BUSINESS INS GROUP | 5151 SAN FELIPE 24TH FLOOR HOUSTON, TN 77056 | DEARBORN LIFE INSURANCE COMPANY | $3K | — | $3K | 9.95% |
| BENEFIT CONCEPTS INC3 | 1173 BRITTMOORE ROAD HOUSTON, TX 77043 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $6K | $1K | $7K | 23.62% |
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 | 283 | 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) | 283 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | BLUECROSS BLUESHIELD OF TEXAS | 561 | $129K |
| Vision | DEARBORN LIFE INSURANCE COMPANY | 320 | $34K |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 304 | $172K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 162 | $66K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 130 | $94K |
| Stop-loss / reinsurancereinsurance | BLUECROSS BLUESHIELD OF TEXAS | 436 | $697K |
| Other(3 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 304 | $241K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 561 | — |
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.