| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| USI INSURANCE SERVICES LLC3 | 4456 CORPORATION LN., STE. 350 VIRGINIA BEACH, VA 23462 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | $403K | $82K | $485K | 8.55% |
| AON CONSULTING INC3 Filed as: AON CONSULTING | 5005 LYNDON B JOHNSON FWY #1400 DALLAS, TX 75244 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | $143K | — | $143K | 2.52% |
| USI INSURANCE SERVICES LLC3 Filed as: USI SOUTHWEST INC | 4456 CORPORATION LN., STE. 350 VIRGINIA BEACH, VA 23462 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | — | $14K | $14K | 0.25% |
| USI INSURANCE SERVICES LLC3 Filed as: USI SOUTHWEST INC | 14241 DALLAS PARKWAY SUITE 700 DALLAS, TX 75254 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $10K | — | $10K | 10.96% |
| USI INSURANCE SERVICES LLC3 | 14241 DALLAS PARKWAY SUITE 700 DALLAS, TX 75254 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $7K | $7K | 7.45% |
| AON CONSULTING INC3 | 29840 NETWORK PLACE CHICAGO, IL 606731298 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $2K | — | $2K | 2.63% |
| USI INSURANCE SERVICES LLC3 Filed as: USI SOUTHWEST INC | 14241 DALLAS PARKWAY SUITE 700 DALLAS, TX 75254 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $6K | — | $6K | 7.34% |
| USI INSURANCE SERVICES LLC3 | 14241 DALLAS PARKWAY SUITE 700 DALLAS, TX 75254 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $4K | $4K | 5.18% |
| AON CONSULTING INC3 | 29840 NETWORK PLACE CHICAGO, IL 606731298 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $2K | — | $2K | 2.14% |
| ACCRETIVE ENROLLMENT SERVICES LLC3 Filed as: ACCRETIVE ENR SVCS LLC | 6200 SAVOY DRIVE SUITE 345 HOUSTON, TX 77036 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $3K | — | $3K | 8.93% |
| USI INSURANCE SERVICES LLC3 Filed as: USI SOUTHWEST INC | 14241 DALLAS PARKWAY SUITE 700 DALLAS, TX 75254 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $3K | — | $3K | 7.69% |
| AON CONSULTING INC3 Filed as: AON CONSULTING | 5005 LBJ FWY #1400 DALLAS, TX 75244 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $2K | — | $2K | 4.95% |
| ASSUREDPARTNERS3 Filed as: ASSURED PARTNERS OF HOUSTON LLC | 13750 SAN PEDRO AVE STE 550 SAN ANTONIO, TX 78232 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $1K | — | $1K | 2.61% |
| USI INSURANCE SERVICES LLC3 Filed as: USI SOUTHWEST INC | 14241 DALLAS PARKWAY SUITE 700 DALLAS, TX 75254 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $4K | — | $4K | 10.29% |
| USI INSURANCE SERVICES LLC3 | 14241 DALLAS PARKWAY SUITE 700 DALLAS, TX 75254 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $3K | $3K | 6.97% |
| AON CONSULTING INC3 | 29840 NETWORK PLACE CHICAGO, IL 606731298 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $2K | — | $2K | 5.81% |
| ACCRETIVE ENROLLMENT SERVICES LLC3 Filed as: ACCRETIVE ENR SVCS LLC | 6200 SAVOY DRIVE SUITE 345 HOUSTON, TX 77036 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $3K | — | $3K | 7.97% |
| USI INSURANCE SERVICES LLC3 Filed as: USI SOUTHWEST INC | 14241 DALLAS PARKWAY SUITE 700 DALLAS, TX 75254 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $2K | — | $2K | 6.33% |
| AON CONSULTING INC3 Filed as: AON CONSULTING | 5005 LBJ FWY #1400 DALLAS, TX 75244 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $2K | — | $2K | 4.38% |
| ASSUREDPARTNERS3 Filed as: ASSUREDPARTNERS OF HOUSTON | 13750 SAN PEDRO AVE STE 550 SAN ANTONIO, TX 78232 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $562 | — | $562 | 1.53% |
| ACCRETIVE ENROLLMENT SERVICES LLC3 Filed as: ACCRETIVE ENR SVCS LLC | 6200 SAVOY DRIVE SUITE 345 HOUSTON, TX 77036 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $3K | — | $3K | 9.70% |
| USI INSURANCE SERVICES LLC3 Filed as: USI SOUTHWEST INC | 14241 DALLAS PARKWAY SUITE 700 DALLAS, TX 75254 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $3K | — | $3K | 9.31% |
| AON CONSULTING INC3 Filed as: AON CONSULTING | 5005 LBJ FWY #1400 DALLAS, TX 75244 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $1K | — | $1K | 4.33% |
| ASSUREDPARTNERS3 Filed as: ASSUREDPARTNERS OF HOUSTON | 13750 SAN PEDRO AVE STE 550 SAN ANTONIO, TX 78232 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $1K | — | $1K | 4.26% |
| USI INSURANCE SERVICES LLC3 | 14241 DALLAS PARKWAY SUITE 700 DALLAS, TX 75254 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $1K | $1K | 7.40% |
| USI INSURANCE SERVICES LLC3 Filed as: USI SOUTHWEST INC | 14241 DALLAS PARKWAY SUITE 700 DALLAS, TX 75254 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $1K | — | $1K | 6.79% |
| AON CONSULTING INC3 | 29840 NETWORK PLACE CHICAGO, IL 606731298 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $343 | — | $343 | 2.12% |
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 | 1,676 | 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) | 1,683 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 1,718 | $5.7M |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 1,718 | $5.7M |
| Vision | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 1,718 | $5.7M |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 1,888 | $79K |
| Short-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 395 | $93K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 352 | $37K |
| Prescription drug | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 1,718 | $5.7M |
| Other(4 contracts, 2 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 1,676 | $119K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,888 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.