| 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 | BLUECROSS BLUESHIELD OF TEXAS | $90K | $11K | $101K | 4.48% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES SOUTHWEST | 9811 KATY FREEWAY, SUITE 500 HOUSTON, TX 77024 | DEARBORN LIFE INSURANCE COMPANY | $25K | $0 | $25K | 13.68% |
| ANDREW NESS3 | 134 HIGH VISTA ROAD DECATUR, TX 76234 | AFLAC | $21K | $869 | $22K | 16.72% |
| ANDREW NESS3 | 604 EAST HALE AVENUE DECATUR, TX 76234 | AFLAC | $8K | $737 | $9K | 7.10% |
| JANES REYES3 | 5713 HOBART STREET FORT WORTH, TX 76134 | AFLAC | $9K | $0 | $9K | 7.08% |
| MARY L WILLIAMS3 Filed as: MARY L. WILLIAMS | 1102 STEVENS STREET, SUITE 1 BRIDGEPORT, TX 76426 | AFLAC | $7K | $58 | $7K | 5.29% |
| RONDA HENSON3 | 427 SHADY HILL LANE SPRINGTOWN, TX 76082 | AFLAC | $6K | $0 | $6K | 4.36% |
| THEODORE K. SPRADLIN & OTHER AGENTS3 Filed as: THEODORE KYLE SPRADLIN AND AGENTS | 3703 LYNNWOOD DRIVE ARLINGTON, TX 76013 | AFLAC | $5K | $304 | $5K | 4.10% |
| MARCI M SCHNITKER3 Filed as: MARCI M. SCHNITKER | 1483 TAYLOR ROAD HOWE, TX 75459 | AFLAC | $4K | $0 | $4K | 3.04% |
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 | 173 | 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) | 173 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUECROSS BLUESHIELD OF TEXAS | 323 | $2.3M |
| Dental | BLUECROSS BLUESHIELD OF TEXAS | 323 | $2.3M |
| Vision | DEARBORN LIFE INSURANCE COMPANY | 173 | $185K |
| Life insurance | DEARBORN LIFE INSURANCE COMPANY | 173 | $185K |
| Long-term disability | DEARBORN LIFE INSURANCE COMPANY | 173 | $185K |
| Prescription drug | BLUECROSS BLUESHIELD OF TEXAS | 323 | $2.3M |
| Other(2 contracts, 2 carriers) | DEARBORN LIFE INSURANCE COMPANY | 173 | $314K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 323 | — |
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 compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.