| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| USI INSURANCE SERVICES LLC3 Filed as: USI SOUTHWEST INC. | 1445 ROSS AVENUE, SUITE 4200 DALLAS, TX 75202 | HEALTH AMERICA OF PENNSYLVANIA INC. | $70K | — | $70K | 3.66% |
| ANCO INS. SVC. OF BRYAN COLLEGE STA3 Filed as: ANCO INSURANCE SERVICES OF HOUSTON | — | UNITED CONCORDIA LIFE AND HEALTH INSURANCE COMPANY | $4K | — | $4K | 4.33% |
| ANCO INS. SVC. OF BRYAN COLLEGE STA3 Filed as: ANCO INS SVCS OF HOUSTON INC | P.O. BOX 218060 HOUSTON, TX 772188060 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $8K | $1K | $10K | 11.51% |
| USI INSURANCE SERVICES LLC3 Filed as: USI SOUTHWEST INC. | PO BOX 218060 HOUSTON, TX 772188060 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $3K | $487 | $4K | 11.61% |
| USI INSURANCE SERVICES LLC3 Filed as: USI SOUTHWEST INC | PO BOX 218060 HOUSTON, TX 772188060 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $3K | $339 | $4K | 16.53% |
| USI INSURANCE SERVICES LLC3 Filed as: USI SOUTHWEST INC. | PO BOX 218060 HOUSTON, TX 772188060 | THE LINCOLN LIFE INSURANCE COMPANY | $3K | $395 | $4K | 16.88% |
| MARTIN R. MIRACLE3 | 13926 MAPLE CLIFF LANE CYPRESS, TX 77429 | NATIONAL VISION ADMINISTRATORS, L.L.C. | $2K | — | $2K | 10.00% |
| USI INSURANCE SERVICES LLC3 Filed as: USI SOUTHWEST INC | P.O. BOX 218060 HOUSTON, TX 772188060 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $2K | $298 | $3K | 16.92% |
| USI INSURANCE SERVICES LLC3 Filed as: USI SOUTHWEST INC | P.O. BOX 218060 HOUSTON, TX 772188060 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $377 | $52 | $429 | 17.06% |
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 | 300 | 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) | 300 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HEALTH AMERICA OF PENNSYLVANIA INC. | 351 | $1.9M |
| Dental | UNITED CONCORDIA LIFE AND HEALTH INSURANCE COMPANY | 239 | $90K |
| Vision | NATIONAL VISION ADMINISTRATORS, L.L.C. | 221 | $18K |
| Life insurance(3 contracts) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 300 | $40K |
| Short-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 161 | $85K |
| Long-term disability(2 contracts, 2 carriers) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 75 | $51K |
| Other(2 contracts) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 300 | $18K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 351 | — |
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."
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.