| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| USI INSURANCE SERVICES LLC3 Filed as: USI SOUTHWEST, INC. | 2711 NORTH HASKELL, SUITE 2000 DALLAS, TX 75204 | HEALTH PLAN OF NEVADA/SIERRA HEALTH AND LIFE | $104K | $0 | $104K | 4.62% |
| PROFESSIONAL ENROLLMENT CONCEPTS3 | UNKNOWN IRVING, TX 75062 | COMBINED INSURANCE | $584K | $0 | $584K | 48.06% |
| USI INSURANCE SERVICES LLC3 Filed as: USI SOUTHWEST, INC. | 5151 BELT LINE ROAD, SUITE 200 DALLAS, TX 75254 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $120K | $0 | $120K | 10.00% |
| USI INSURANCE SERVICES LLC3 | 2502 NORTH ROCKY POINT DRIVE SUITE 400 TAMPA, FL 33607 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $0 | $71K | $71K | 5.92% |
| PROFESSIONAL ENROLLMENT CONCEPTS3 | 6200 SAVOY, SUITE 345 HOUSTON, TX 77036 | TRUSTMARK INSURANCE COMPANY | $98K | $0 | $98K | 47.15% |
| BRYAN INGLIS3 | 6122 GARDEN LAKES LANE SUGARLAND, TX 77479 | TRUSTMARK INSURANCE COMPANY | $416 | $0 | $416 | 0.20% |
| BRANDON PENKO3 Filed as: BRANDON T. PENKO | 4927 MAGNOLIA BEND DRIVE ROSHARON, TX 77583 | TRUSTMARK INSURANCE COMPANY | $339 | $0 | $339 | 0.16% |
| ALLEN BAKER3 Filed as: ALLEN C. BAKER | 12214 COBLE COVE CIRCLE CYPRESS, TX 77433 | TRUSTMARK INSURANCE COMPANY | $306 | $0 | $306 | 0.15% |
| KENNY BAKER3 | 6200 SAVOY, SUITE 345 HOUSTON, TX 77036 | TRUSTMARK INSURANCE COMPANY | $226 | $0 | $226 | 0.11% |
| ALLISON WISE3 | 7142 LAGUNA VILLA HOUSTON, TX 77479 | TRUSTMARK INSURANCE COMPANY | $35 | $0 | $35 | 0.02% |
| BRENNAN D BAKER3 Filed as: BRENNAN D. BAKER | 5815 WASHINGTON AVENUE, SUITE C HOUSTON, TX 77007 | TRUSTMARK INSURANCE COMPANY | $6 | $0 | $6 | 0.00% |
| USI INSURANCE SERVICES LLC3 Filed as: USI SOUTHWEST, INC. | 5151 BELT LINE ROAD, SUITE 200 DALLAS, TX 75254 | PACIFIC GUARDIAN LIFE INSURANCE COMPANY, LTD. | $3K | $0 | $3K | 7.56% |
| NATIONAL BENEFIT PLANS, LTD.3 | 11550 INTERSTATE 10 WEST, SUITE 293 SAN ANTONIO, TX 78230 | LEGAL ACCESS PLANS, LLC | $1K | $0 | $1K | 35.01% |
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 | 4,257 | 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) | 4,257 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 3 carriers) | HEALTH PLAN OF NEVADA/SIERRA HEALTH AND LIFE | 472 | $3.4M |
| Dental | HAWAII MEDICAL SERVICE ASSOCIATION | 139 | $727K |
| Vision(2 contracts, 2 carriers) | HAWAII MEDICAL SERVICE ASSOCIATION | 139 | $730K |
| Life insurance(3 contracts, 3 carriers) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 4,257 | $1.4M |
| Short-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 4,257 | $1.2M |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 4,257 | $1.2M |
| Prescription drug(3 contracts, 3 carriers) | HEALTH PLAN OF NEVADA/SIERRA HEALTH AND LIFE | 472 | $3.4M |
| Other(5 contracts, 5 carriers) | COMBINED INSURANCE | 4,327 | $2.7M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 4,327 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.