| 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 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $41K | $11K | $52K | 18.85% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES SOUTHWEST | 7600-C NORTH CAPITAL OF TX HIGHWAY SUITE 200 AUSTIN, TX 78731 | DELTA DENTAL INSURANCE COMPANY | $22K | $0 | $22K | 10.00% |
| SNYDER, THOMAS J3 Filed as: SNYDER J. THOMAS | 1259 TEXAS LOOP 337, SUITE 102 NEW BRAUNFELS, TX 78130 | UNUM INSURANCE COMPANY | $13K | $0 | $13K | 8.70% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES SOUTHWEST | 7600-C NORTH CAPITAL OF TX HIGHWAY AUSTIN, TX 78731 | UNUM INSURANCE COMPANY | $9K | $2K | $11K | 7.57% |
| SNYDER, THOMAS J3 Filed as: SNYDER J. THOMAS | 10539 DEDEKE DRIVE NEW BRAUNFELS, TX 78132 | UNUM INSURANCE COMPANY | $7K | $0 | $7K | 4.77% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES SOUTHWEST | 7600-C NORTH CAPITAL OF TX HIGHWAY AUSTIN, TX 78731 | STARMOUNT LIFE INSURANCE COMPANY | $4K | $1K | $6K | 20.75% |
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 | 433 | 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) | 433 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental(2 contracts, 2 carriers) | DELTA DENTAL INSURANCE COMPANY | 601 | $243K |
| Vision | STARMOUNT LIFE INSURANCE COMPANY | 265 | $27K |
| Life insurance | UNUM LIFE INSURANCE COMPANY OF AMERICA | 433 | $276K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 433 | $276K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 433 | $276K |
| Other(2 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 433 | $420K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 601 | — |
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.