| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES SOUTHWEST | 4630 NORTH LOOP 1604 WEST SAN ANTONIO, TX 78249 | BLUECROSS BLUESHIELD OF TEXAS | $78K | $0 | $78K | 3.90% |
| GALLAGHER BENEFIT SERVICES, INC.3 | UNKNOWN SAN ANTONIO, TX 78228 | BLUECROSS BLUESHIELD OF TEXAS | $51K | $7K | $58K | 2.87% |
| USI INSURANCE SERVICES LLC3 | PO BOX 61187 VIRGINIA BEACH, VA 23466 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $13K | $0 | $13K | 6.95% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 70 NE LOOP 410, SUITE 325 SAN ANTONIO, TX 78216 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $7K | $0 | $7K | 4.05% |
| CENTERSTONE INSURANCE AND FINANCIAL3 Filed as: CENTERSTONE INS AND FINANCIAL SRVS | 12404 PARK CENTRAL DRIVE, SUITE 400 DALLAS, TX 75251 | VISION SERVICE PLAN | $1K | $0 | $1K | 4.22% |
| GALLAGHER BENEFIT SERVICES, INC.3 | PO BOX 95287 CHICAGO, IL 60694 | VISION SERVICE PLAN | $991 | $0 | $991 | 3.21% |
| USI INSURANCE SERVICES LLC3 | PO BOX 61187 VIRGINIA BEACH, VA 23466 | VISION SERVICE PLAN | $899 | $0 | $899 | 2.91% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 2000 MORRIS AVENUE, APARTMENT 1400 BIRMINGHAM, AL 35203 | METROPOLITAN LIFE INSURANCE COMPANY | $9K | $320 | $9K | 33.84% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES SOUTHWEST | 4630 NORTH LOOP 1604 WEST SAN ANTONIO, TX 78249 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $247 | $247 | 0.94% |
| GALLAGHER BENEFIT SERVICES, INC.3 | PO BOX 95287 CHICAGO, IL 60690 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $244 | $244 | 0.93% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER VOLUNTARY BENEFITS | 70 NE LOOP 410. SUITE 321 SAN ANTONIO, TX 78216 | METROPOLITAN LIFE INSURANCE COMPANY | $59 | $0 | $59 | 0.22% |
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 | 317 | 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) | 317 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | BLUECROSS BLUESHIELD OF TEXAS | 514 | $2.1M |
| Dental(2 contracts, 2 carriers) | BLUECROSS BLUESHIELD OF TEXAS | 514 | $2.1M |
| Vision | VISION SERVICE PLAN | 224 | $31K |
| Life insurance | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 317 | $180K |
| Short-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 317 | $180K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 317 | $180K |
| Prescription drug(2 contracts, 2 carriers) | BLUECROSS BLUESHIELD OF TEXAS | 514 | $2.1M |
| Other(2 contracts, 2 carriers) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 317 | $207K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 514 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.