| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| USI INSURANCE SERVICES LLC3 Filed as: USI SOUTHWEST, INC | SOUTHWEST PO BOX 61187 VIRGINA BEACH, VA 23466 | BLUECROSS BLUESHIELD OF TEXAS | — | $30K | $30K | 0.59% |
| USI INSURANCE SERVICES LLC3 Filed as: USI SOUTHWEST, INC | SOUTHWEST PO BOX 61187 VIRGINA BEACH, VA 23466 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $6K | $6K | 7.03% |
| USI INSURANCE SERVICES LLC3 Filed as: USI SOUTHWEST, INC | SOUTHWEST PO BOX 61187 VIRGINA BEACH, VA 23466 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $4K | $4K | 7.40% |
| USI INSURANCE SERVICES LLC3 Filed as: USI SOUTHWEST, INC | SOUTHWEST PO BOX 61187 VIRGINA BEACH, VA 23466 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $4K | $4K | 7.65% |
| USI INSURANCE SERVICES LLC3 Filed as: USI SOUTHWEST, INC | SOUTHWEST PO BOX 61187 VIRGINA BEACH, VA 23466 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $1K | $1K | 8.38% |
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 | 943 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 943 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUECROSS BLUESHIELD OF TEXAS | 943 | $5.0M |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 511 | $310K |
| Vision | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 511 | $310K |
| Life insurance(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 959 | $96K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 119 | $55K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 65 | $57K |
| Stop-loss / reinsurancereinsurance | BLUECROSS BLUESHIELD OF TEXAS | 943 | $5.0M |
| Other(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 959 | $96K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 959 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
Broker comp is under 1% of premium on a >$1M plan. Plan may be flying solo or paying a flat fee — consultant sales target.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.