| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES SOUTHWEST | 7600-C NORTH CAPITAL OF TX HIGHWAY AUSTIN, TX 78731 | BLUECROSS BLUESHIELD OF TEXAS | $51K | $0 | $51K | 6.56% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES SOUTHWEST | 7600-C NORTH CAPITAL OF TX HIGHWAY AUSTIN, TX 78731 | STARMOUNT LIFE INSURANCE COMPANY | $9K | $4K | $13K | 13.36% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES SOUTHWEST | PO BOX 218060 HOUSTON, TX 77218 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $2K | $349 | $2K | 12.43% |
| KELLY MELISSA RUSHING3 | 725 RIVER BLUFF DRIVE LYTLE, TX 78052 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $1K | $595 | $2K | 11.95% |
| TIMOTHY J REED3 Filed as: TIMOTHY COBB | 11086 NW COUNTY ROAD 1370 BARRY, TX 75102 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $441 | $795 | $1K | 7.42% |
| MELISSA LYNN FRINK3 Filed as: MELISSA LYNN FRINK AND OTHER AGENTS | 3200 LOUIS AVENUE CORSICANA, TX 75110 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $780 | $157 | $937 | 5.62% |
| MICHAEL N THORN3 Filed as: MICHAEL N. THORN | 8120 JOSEPH WESTON COURT GREENSBORO, NC 27455 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $376 | $127 | $503 | 3.02% |
| TROY J PALMER3 Filed as: TROY J. PALMER | 15534 CLOVER RIDGE SAN ANTONIO, TX 78248 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $253 | $37 | $290 | 1.74% |
| JORGE ALEJANDRO MONTEMAYOR3 | 10702 NORTH 23RD LANE MCALLEN, TX 78504 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $168 | $3 | $171 | 1.03% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES SOUTHWEST | 7600-C NORTH CAPITAL OF TX HIGHWAY AUSTIN, TX 78731 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $3K | $718 | $3K | 21.74% |
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 | 59 | 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) | 59 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUECROSS BLUESHIELD OF TEXAS | 181 | $775K |
| Dental | STARMOUNT LIFE INSURANCE COMPANY | 153 | $95K |
| Vision | STARMOUNT LIFE INSURANCE COMPANY | 153 | $95K |
| Life insurance | UNUM LIFE INSURANCE COMPANY OF AMERICA | 59 | $16K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 59 | $16K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 59 | $16K |
| Prescription drug | BLUECROSS BLUESHIELD OF TEXAS | 181 | $775K |
| Other(2 contracts, 2 carriers) | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | 59 | $32K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 181 | — |
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.
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
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.