| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| USI INSURANCE SERVICES LLC3 Filed as: USI SOUTHWEST | 445 ROSS AVE DALLAS, TX 75202 | COMPANION LIFE INSURANCE COMPANY | $129K | — | $129K | 8.71% |
| USI INSURANCE SERVICES LLC3 Filed as: USI SOUTHWEST INC. | 2711 N. HASKELL SUITE 2000 DALLAS, TX 75204 | BLUECROSS BLUESHIELD OF TEXAS | $32K | $12 | $32K | 7.81% |
| COTTONWOOD FINANCIAL ADMIN SERVICES3 | 1901 GATEWAY DR. #200 IRVING, TX 75038 | BLUECROSS BLUESHIELD OF TEXAS | — | $9 | $9 | 0.00% |
| USI INSURANCE SERVICES LLC3 Filed as: USI SOUTHWEST INC | 2711 N HASKELL SUITE 2000 DALLAS, TX 75204 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $24K | — | $24K | 9.80% |
| CUSTOM BENEFITS PROGRAMS3 | 897 12TH STREET HAMMONTON, NJ 08037 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $42K | $7K | $49K | 46.61% |
| CUSTOM BENEFIT PROGRAMS INC3 Filed as: CUSTOM BENEFIT PROGRAMS | 897 12TH STREET HAMMONTON, NJ 08037 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $911 | — | $911 | 0.87% |
| USI INSURANCE SERVICES LLC3 Filed as: USI SW INC. | PO BOX 61187 VIRGINIA BEACH, VA 23466 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $469 | — | $469 | 0.45% |
| ANCO INS. SVC. OF BRYAN COLLEGE STA3 Filed as: ANCO INSURANCE SERVICES | 2711 H HASKELL AVE. SUITE 2000 DALLAS, TX 75204 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $9K | — | $9K | 15.00% |
| SUMMIT GLOBAL PARTNERS OF TX, INC.3 Filed as: SUMMIT GLOBAL PARTNERS OF TX | DBA USI SOUTHWEST PO BOX 61187 VIRGINIA BEACH, VA 23466 | EYEMED | $5K | — | $5K | 10.02% |
| ANCO INS. SVC. OF BRYAN COLLEGE STA3 Filed as: ANCO INSURANCE SERVICES | 2711 N HASKELL AVENUE SUITE 2000 DALLAS, TX 75204 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $6K | — | $6K | 15.00% |
| ANCO INS. SVC. OF BRYAN COLLEGE STA3 Filed as: ANCO INSURANCE SERVICES | 2711 N HASKELL AVENUE SUITE 2000 DALLAS, TX 75204 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $3K | — | $3K | 15.00% |
| ANCO INS. SVC. OF BRYAN COLLEGE STA3 Filed as: ANCO INSURANCE SERVICES | 2711 N HASKELL AVENUE SUITE 2000 DALLAS, TX 75204 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $2K | — | $2K | 15.00% |
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 | 751 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 7 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 758 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUECROSS BLUESHIELD OF TEXAS | 122 | $404K |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 531 | $250K |
| Vision | EYEMED | 758 | $47K |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 299 | $37K |
| Short-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 172 | $58K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 145 | $20K |
| Other(2 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 311 | $115K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 758 | — |
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."
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.