| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ASSUREDPARTNERS3 Filed as: ASSUREDPARTNERS OF HOUSTON, LLC | 840 GESSNER ROAD, SUITE 700 HOUSTON, TX 77024 | PRINCIPAL LIFE INSURANCE COMPANY | $17K | $0 | $17K | 6.93% |
| KAINOS PARTNERS, INC.3 | 840 GESSNER ROAD, SUITE 700 HOUSTON, TX 77024 | PRINCIPAL LIFE INSURANCE COMPANY | $12K | $674 | $13K | 5.20% |
| USI INSURANCE SERVICES LLC3 Filed as: USI SOUTHWEST, INC. | 7600 NORTH CAPITAL OF TX HIGHWAY SUITE 250 AUSTIN, TX 78731 | PRINCIPAL LIFE INSURANCE COMPANY | $9K | $0 | $9K | 3.69% |
| USI INSURANCE SERVICES LLC3 Filed as: USI SOUTHWEST, INC. | 9811 KATY FREEWAY, SUITE 500 HOUSTON, TX 77024 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $4K | $0 | $4K | 6.51% |
| ASSUREDPARTNERS3 Filed as: ASSUREDPARTNERS OF HOUSTON, LLC | 16545 VILLAGE DRIVE, BUILDING B JERSEY VILLAGE, TX 77040 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $3K | $0 | $3K | 5.43% |
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 | 146 | 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) | 146 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS AND BLUE SHIELD OF ALABAMA | 308 | $2.1M |
| Dental | PRINCIPAL LIFE INSURANCE COMPANY | 365 | $246K |
| Vision | PRINCIPAL LIFE INSURANCE COMPANY | 365 | $246K |
| Life insurance(2 contracts, 2 carriers) | PRINCIPAL LIFE INSURANCE COMPANY | 365 | $302K |
| Short-term disability | PRINCIPAL LIFE INSURANCE COMPANY | 365 | $246K |
| Long-term disability | PRINCIPAL LIFE INSURANCE COMPANY | 365 | $246K |
| Prescription drug | BLUE CROSS AND BLUE SHIELD OF ALABAMA | 308 | $2.1M |
| Other | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 136 | $56K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 365 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.