Form 5500 · Employee benefit plan · KINGWOOD, TX
INSPERITY HOLDINGS, INC.
The filing calls this plan INSPERITY GROUP HEALTH PLAN.
INSPERITY HOLDINGS, INC. of KINGWOOD, TX files a Form 5500 with the U.S. Department of Labor disclosing its employee benefit plan. Its broker of record is MERCER HEALTH & BENEFITS LLC. Coverage is written through UNITEDHEALTHCARE INSURANCE COMPANY and 11 other carriers. The plan's most recent policy period ended in December.
Sourced from U.S. DOL EFAST2 Form 5500 · EIN 76-0178498 · plan 502 · plan year 2024, filed Oct 14, 2025
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How this plan is funded
Fully insured as reported
The filing reports medical coverage through an insurance contract on Schedule A, and no money paid for benefits by the plan itself.
The filing says this plan is subject to the Form M-1 requirement for multiple-employer welfare arrangements.
Benefits declared on this filing
Also declared: other welfare.
Declared benefits are the plan’s own line 8b codes on Form 5500. “Not on Schedule A” means no insured contract for that line appears on this filing. That usually means the benefit is self-funded, or it sits under a different plan number.
Where a line has more than one insured contract, the carrier and the covered figure are the largest contract's by premium. The contracts are not added up: a pharmacy carve-out and the medical carrier beside it cover the same people.
Persons covered is the count the carrier filed for that policy at the end of its policy year, and it can include dependents. Participants is the plan's own count at the start of its plan year. The two count different people, so a covered figure can be larger.
Plan brief
Schedule A lists 25 insured contracts covering health, dental and vision; the largest, with UNITEDHEALTHCARE INSURANCE COMPANY, covers 386,748 people.
Reported premium is $2,869,824,219; the filing discloses no broker commission on these contracts.
The most recent policy period ended in December, and the plan year ends December 31. Group contracts typically renew on that annual cycle.
MERCER HEALTH & BENEFITS LLC is the broker of record on 1 of the 25 contracts; the rest name a different broker or none.
12 carriers appear on the filing, including UNITEDHEALTHCARE INSURANCE COMPANY, KAISER FOUNDATION HEALTH PLAN, INC., CALIFORNIA PHYSICIANS' SERVICE (BLUE SHIELD OF CALIFORNIA) and UNITEDHEALTHCARE OF CALIFORNIA. UNITEDHEALTHCARE INSURANCE COMPANY writes the largest contract by premium.
Schedule A insurance contracts
| Carrier | Benefits | Covered | Renews | Premium | Commission |
|---|---|---|---|---|---|
| UNITEDHEALTHCARE INSURANCE COMPANY | Health, Dental | 386,748 | Jan 1, 2025 | $2,519,030,092 | $0 |
| KAISER FOUNDATION HEALTH PLAN, INC. | Health | 13,914 | Jan 1, 2025 | $82,024,058 | $0 |
| KAISER FOUNDATION HEALTH PLAN, INC. | Health | 10,094 | Jan 1, 2025 | $72,651,620 | $0 |
| CALIFORNIA PHYSICIANS' SERVICE (BLUE SHIELD OF CALIFORNIA) | Health | 3,543 | Jan 1, 2025 | $30,472,678 | $0 |
| UNITEDHEALTHCARE OF CALIFORNIA | Health | 2,151 | Jan 1, 2025 | $28,887,629 | $0 |
| HARVARD PILGRIM HEALTH CARE | Health | 1,847 | Jan 1, 2025 | $17,722,159 | $0 |
| HARVARD PILGRIM HEALTH CARE | Health | 2,025 | Jan 1, 2025 | $16,280,515 | $0 |
| VISION SERVICE PLAN | Vision | 193,198 | Jan 1, 2025 | $14,899,785 | $0 |
| HPHC INSURANCE COMPANY | Health | 1,145 | Jan 1, 2025 | $13,207,205 | $0 |
| HARVARD PILGRIM HEALTH CARE | Health | 1,606 | Jan 1, 2025 | $11,467,623 | $0 |
| HPHC INSURANCE COMPANY | Health | 954 | Jan 1, 2025 | $11,358,308 | $0 |
| HPHC INSURANCE COMPANY | Health | 1,235 | Jan 1, 2025 | $10,799,735 | $0 |
| HPHC INSURANCE COMPANY | Health | 1,311 | Jan 1, 2025 | $10,190,740 | $0 |
| HARVARD PILGRIM HEALTH CARE | Health | 1,189 | Jan 1, 2025 | $6,205,498 | $0 |
| HPHC INSURANCE COMPANY | Health | 815 | Jan 1, 2025 | $5,715,686 | $0 |
| HPHC INSURANCE COMPANY | Health | 567 | Jan 1, 2025 | $5,200,720 | $0 |
| HPHC INSURANCE COMPANY | Health | 485 | Jan 1, 2025 | $4,589,933 | $0 |
| HPHC INSURANCE COMPANY | Health | 400 | Jan 1, 2025 | $3,364,171 | $0 |
| KAISER FOUNDATION HEALTH PLAN OF HAWAII | Health | 339 | Jan 1, 2025 | $2,012,874 | $0 |
| BLUE CROSS BLUE SHIELD OF HAWAII | Health | 256 | Jan 1, 2025 | $1,979,234 | $0 |
| KAISER FOUNDATION HEALTH PLAN OF THE NORTHWEST | Health | 109 | Jan 1, 2025 | $595,507 | $0 |
| KAISER FOUNDATION HEALTH PLAN OF WASHINGTON | Health | 61 | Jan 1, 2025 | $423,500 | $0 |
| HPHC JOINT VENTURE UHG | Health | 25 | Jan 1, 2025 | $370,856 | $0 |
| HPHC INSURANCE COMPANY | Health | 50 | Jan 1, 2025 | $257,623 | $0 |
| HPHC INSURANCE COMPANY | Health | 11 | Jan 1, 2025 | $116,470 | $0 |
Premium and claims on this contract
UNITEDHEALTHCARE INSURANCE COMPANY, contract 701648. For the contract year on this filing, the carrier reported $2,519,030,092 in premium earned and $2,398,506,230 in claims incurred. Dividing one by the other gives 95%.
- UNITEDHEALTHCARE INSURANCE COMPANY, contract 701648 reported $110,416,420 in retention.
Retention is what the carrier kept of the premium after claims, as reported: administration, commissions and other charges.
Only experience-rated contracts report these figures, so most filings leave them blank.
Covered = persons covered at policy year end, as filed on Schedule A for that policy — often certificates or one class, not the whole plan. Premium = the filing’s own premium/charges figure; “—” means not credibly reported.
Administrator and service providers
The plan administrator is from line 3a of the main form. We publish company names only.
Other plans filed by this employer
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