| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| USI INSURANCE SERVICES LLC3 Filed as: USI SOUTHWEST, INC. | SOUTHWEST P.O. BOX 61187 VIRGINIA BEACH, VA 23466 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $31K | $13K | $44K | 28.24% |
| USI INSURANCE SERVICES LLC3 Filed as: USI SOUTHWEST, INC. | SOUTHWEST P.O. BOX 61187 VIRGINIA BEACH, VA 23466 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $6K | $6K | 4.64% |
| MARTIN R. MIRACLE3 | 840 GESSNER ROAD, STE 600 HOUSTON, TX 77024 | HIGHMARK, INC. | $3K | — | $3K | 2.36% |
| USI INSURANCE SERVICES LLC3 Filed as: USI SOUTHWEST, INC. | SOUTHWEST P.O. BOX 61187 VIRGINIA BEACH, VA 23466 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $16K | $4K | $20K | 18.64% |
| FMLASOURCE INC5 Filed as: FMLASOURCE, INC. | — | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $28K | $28K | 31.87% |
| USI INSURANCE SERVICES LLC3 Filed as: USI SOUTHWEST, INC. | SOUTHWEST P.O. BOX 61187 VIRGINIA BEACH, VA 23466 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $4K | $4K | 5.13% |
| USI INSURANCE SERVICES LLC3 Filed as: USI SOUTHWEST, INC. | SOUTHWEST P.O. BOX 61187 VIRGINIA BEACH, VA 23466 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $10K | $2K | $12K | 18.83% |
| USI INSURANCE SERVICES LLC3 Filed as: USI SOUTHWEST, INC. | SOUTHWEST P.O. BOX 61187 VIRGINIA BEACH, VA 23466 | MUTUAL OF OMAHA INSURANCE COMPANY | — | $272 | $272 | 3.26% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| HIGHMARK, INC. EIN 23-1294723 NONE | Contract Administrator Service code 13 | — | $120K |
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 | 1,423 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 1,423 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HIGHMARK, INC. | 29 | $116K |
| Vision(6 contracts) | HEARTLAND | 1,054 | $132K |
| Life insurance(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 1,423 | $218K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 425 | $154K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 1,073 | $215K |
| Other(5 contracts, 3 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 1,423 | $269K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,423 | — |
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.