| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES SOUTHWEST | 2711 NORTH HASKELL AVENUE SUITE 2000 DALLAS, TX 75204 | AMERICAN UNITED LIFE INSURANCE COMPANY | $30K | $0 | $30K | 10.07% |
| CONVERGINS HEALTH LLC3 Filed as: CONVERGINS HEALTH, LLC | UNKNOWN COPPELL, TX 75019 | AMERICAN UNITED LIFE INSURANCE COMPANY | $0 | $797 | $797 | 0.26% |
| USI INSURANCE SERVICES LLC3 | PO BOX 61187 VIRGINIA BEACH, VA 23466 | METROPOLITAN LIFE INSURANCE COMPANY | $29K | $5K | $34K | 12.58% |
| USI INSURANCE SERVICES LLC3 | 6100 FAIRVIEW ROAD, 8TH FLOOR CHARLOTTE, NC 28210 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $89 | $89 | 0.03% |
| GCG FINANCIAL LLC3 Filed as: AGM BENEFITS, ALERA GROUP AGENCY | 8550 UNITED PLAZA BOULEVARD SUITE 210 BATON ROUGE, LA 70809 | TRANSAMERICA LIFE INSURANCE COMPANY | $20K | $0 | $20K | 29.49% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES SOUTHWEST | 14241 DALLAS PARKWAY, SUITE 700 DALLAS, TX 75254 | TRANSAMERICA LIFE INSURANCE COMPANY | $8K | $0 | $8K | 12.27% |
| USI INSURANCE SERVICES LLC3 | PO BOX 61187 VIRGINIA BEACH, VA 23466 | EYEMED VISION CARE ON BEHALF OF FIDELITY SECURITY LIFE INSURANCE CO. | $4K | $0 | $4K | 9.76% |
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 | 580 | 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) | 580 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 978 | $274K |
| Vision | EYEMED VISION CARE ON BEHALF OF FIDELITY SECURITY LIFE INSURANCE CO. | 640 | $40K |
| Life insurance | AMERICAN UNITED LIFE INSURANCE COMPANY | 1,683 | $301K |
| Short-term disability | AMERICAN UNITED LIFE INSURANCE COMPANY | 1,683 | $301K |
| Long-term disability | AMERICAN UNITED LIFE INSURANCE COMPANY | 1,683 | $301K |
| Other(2 contracts, 2 carriers) | AMERICAN UNITED LIFE INSURANCE COMPANY | 1,683 | $370K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,683 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
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.