for an insurance company to work well it needs to collect a premium, hold a certain reserve and pay the clients that claim money based on an incident that was covered by their policy.
how is the power in this case distributed?
in the view that clients and company are separate worlds, the power of the policy holders is limited. they can choose to buy in insurance, but otherwise they have very little power. they could go to court in case of a dispute, but the power to decide about the size of premium, set the numeration of the people that do the work of providing insurance service or to accept or reject claims is limited.
the power is in the hands of the management of the insurance firm.
but you could also take a different perspective. it is the money of the people who have set that apart in case somebody in their social space is struck by bad fate. there is a collective power of policy holders and contributes to set the hight of the premium and the rules for dealing with bad fate. that may require various practical solutions, but in principle the power is equally distributed over the policy holders.
management has little power and can only act based on a partly and temporarily delegated power.
power is force. and that force has a direction. the perception of power depends on how it compares with the direction of what you want to achieve.
one of the fundaments of the purposeful social space is free-will. people are part of the space based on their own decision to do so without force or unwanted obligations. although the question to which true free-will really exist is legitimate, it is fine as a starting point.
the power structure in a purposeful social space is related to the principle of free-will and it is worthwhile to further investigate this relationship.
power is not by definition contrair to free-will. free-will can be killed by power and submission.
power can help to organise things, power can be used to make sure free-will prevail,
there is a power distribution in every purposeful social space. and that power may be unevenly distributed and applied without interfering with free-will.
free-will can enable us to accept power.
power structures can be bigger than a specific space.
an important guide in assessing the soundness of power is the common believe in the purpose. the end towards people engage with each other, wholeheartedly. that purpose is an important part of the free-will.