| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| USI INSURANCE SERVICES LLC3 Filed as: USI SOUTHWEST, INC. | PO BOX 61187 VIRGINA BEACH, VA 23466 | METROPOLITAN LIFE INSURANCE COMPANY | $6K | $3K | $10K | 6.51% |
| WATCHTOWER BENEFITS, LLC3 Filed as: WATCHTOWER BENEFITS, LLC THREEFLOW | 306 WEST ERIE STREET SUITE 300 CHICAGO, IL 606543902 | METROPOLITAN LIFE INSURANCE COMPANY | $2K | $4K | $6K | 4.10% |
| IMA, INC.3 | P.O. BOX 2992 WICHITA, KS 672012992 | METROPOLITAN LIFE INSURANCE COMPANY | — | $2K | $2K | 1.44% |
| USI INSURANCE SERVICES LLC3 Filed as: USI SOUTHWEST, INC. | P.O. BOX 61187 VIRGINIA BEACH, VA 23466 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $11K | — | $11K | 15.00% |
| USI INSURANCE SERVICES LLC3 | PO BOX 62937 VIRGINA BEACH, VA 23466 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $254 | $254 | 0.34% |
| USI INSURANCE SERVICES LLC3 Filed as: USI SOUTHWEST, INC. | P.O. BOX 61187 VIRGINIA BEACH, VA 23466 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $8K | — | $8K | 15.00% |
| USI INSURANCE SERVICES LLC3 | PO BOX 62937 VIRGINIA BEACH, VA 23466 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $190 | $190 | 0.36% |
| USI INSURANCE SERVICES LLC3 Filed as: USI SOUTHWEST, INC. | P.O. BOX 61187 VIRGINIA BEACH, VA 23466 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $7K | — | $7K | 15.00% |
| USI INSURANCE SERVICES LLC3 | PO BOX 62937 VIRGINA BEACH, VA 23466 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $163 | $163 | 0.35% |
| USI INSURANCE SERVICES LLC3 Filed as: USI SOUTHWEST, INC. | P.O. BOX 61187 VIRGINIA BEACH, VA 23466 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $3K | — | $3K | 15.00% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSRUANCE SERVICES LLC | PO BOX 62937 VIRGINIA BEACH, VA 23466 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $32 | $32 | 0.17% |
| USI INSURANCE SERVICES LLC3 Filed as: USI SOUTHWEST INC | 9811 KATY FREEWAY HOUSTON, TX 77024 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $352 | $106 | $458 | 4.07% |
| IMA, INC.3 Filed as: IMA, INC. DBA IMA WALDMAN | 6200 LBJ FREEWAY SUITE 200 DALLAS, TX 75240 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $299 | — | $299 | 2.66% |
| JACQUELINE ST HILAIRE3 | 6829 COLONNADE DR PLANO, TX 75024 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $277 | — | $277 | 2.46% |
| BRANDY R BYERS3 | 1119 ALASKA DRIVE FORNEY, TX 75126 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $226 | $8 | $234 | 2.08% |
| STUART DUNKLE3 | 405 COUNTY ROAD 3236 QUITMAN, TX 75783 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $213 | — | $213 | 1.89% |
| MPART BENEFITS INC3 Filed as: MPART BENEFITS, INC. | 100 ALBRIGHT LANE PROSPER, TX 75078 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $84 | $82 | $166 | 1.48% |
| NATIONAL ENROLLMENT PARTNERS LLC3 | C/O NATL ENROLLMENT PARTNERS CRANSTON, RI 02920 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $56 | $62 | $118 | 1.05% |
| VIRGINIA LEDER-CLARK3 | 2800 SPRING OAKS HIGHLAND VILLAGE, TX 75077 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $59 | — | $59 | 0.52% |
| INGLE BENEFITS LLC3 Filed as: INGLE BENEFITS, LLC | 1840 LARIAT TRAIL CELINA, TX 75009 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $17 | — | $17 | 0.15% |
| ROBERT SCOTT PIERCE3 | 609 ROUEN DRIVE MCKINNEY, TX 75072 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2 | — | $2 | 0.02% |
| IMA, INC.3 | P.O. BOX 5510 FRISCO, CO 80443 | LIFESECURE INSURANCE COMPANY | $116 | — | $116 | 2.77% |
| SPECIALTY PLANNERS, INC.3 | 6201 PRESIDENTIAL COURT FORT MYERS, FL 33919 | LIFESECURE INSURANCE COMPANY | $49 | — | $49 | 1.17% |
| LTCI PARTNERS LLC3 Filed as: LTCI PARTNERS | 14546 BROOK HOLLOW BOULEVARD SAN ANTONIO, TX 78232 | LIFESECURE INSURANCE COMPANY | $24 | — | $24 | 0.57% |
| IMA, INC.3 | P.O. BOX 5510 FRISCO, CO 80443 | LIFESECURE INSURANCE COMPANY | $11 | — | $11 | 1.95% |
| LTCI PARTNERS LLC3 Filed as: LTCI PARTNERS | 14546 BROOK HOLLOW BOULEVARD SAN ANTONIO, TX 78232 | LIFESECURE INSURANCE COMPANY | $5 | — | $5 | 0.89% |
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 | 142 | 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) | 142 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 375 | $148K |
| Vision | METROPOLITAN LIFE INSURANCE COMPANY | 375 | $148K |
| Life insurance(2 contracts, 2 carriers) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 143 | $86K |
| Short-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 56 | $46K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 143 | $53K |
| Other(4 contracts, 3 carriers) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 143 | $35K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 375 | — |
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.