| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| USI INSURANCE SERVICES LLC3 | PO BOX 61187 VIRGINIA BEACH, VA 23466 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $30K | $11K | $41K | 18.94% |
| ADP INC5 Filed as: AUTOMATIC DATA PROCESSING, INC. | PO BOX 842875 BOSTON, MA 02284 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $9K | $9K | 4.08% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES SOUTHWEST | 9811 KATY FREEWAY, SUITE 500 HOUSTON, TX 77024 | BLUE CROSS BLUE SHIELD OF TEXAS | $10K | $234 | $10K | 4.86% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES SOUTHWEST | 9811 KATY FREEWAY, SUITE 500 HOUSTON, TX 77024 | CONTINENTAL AMERICAN INSURANCE COMPANY | $16K | $0 | $16K | 23.75% |
| EPSIX, INC.3 | 3300 NORTH SCOTTSDALE ROAD APARTMENT 4020 SCOTTSDALE, AZ 85251 | CONTINENTAL AMERICAN INSURANCE COMPANY | $10K | $0 | $10K | 14.41% |
| JOY E GUNDERSON3 Filed as: JOY ELIZABETH GUNDERSON | 4531 VALLECITO LANE YORBA LINDA, CA 92886 | CONTINENTAL AMERICAN INSURANCE COMPANY | $4K | $0 | $4K | 6.48% |
| JAMES ROBERT CONFORT3 | 3 SUNSET LANE GARDEN CITY, NY 11530 | CONTINENTAL AMERICAN INSURANCE COMPANY | $4K | $0 | $4K | 6.19% |
| CHRIS KELLY3 Filed as: CHRIS KELLY AND OTHER AGENTS | 252 WIKIUP MEADOWS DRIVE SANTA ROSA, CA 95403 | CONTINENTAL AMERICAN INSURANCE COMPANY | $3K | $0 | $3K | 4.40% |
| HEIDI A HERDMAN3 Filed as: HEIDI A. HERDMAN | 105 CHERRY HILL DRIVE APARTMENT 221 BEVERLY, MA 01915 | CONTINENTAL AMERICAN INSURANCE COMPANY | $2K | $0 | $2K | 2.25% |
| COLIN MCVETTY3 | 449 MARCELLUS ROAD MINEOLA, NY 11501 | CONTINENTAL AMERICAN INSURANCE COMPANY | $1K | $0 | $1K | 1.64% |
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 | 207 | 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) | 207 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF TEXAS | 22 | $215K |
| Dental | UNITED OF OMAHA LIFE INSURANCE COMPANY | 207 | $217K |
| Vision | UNITED OF OMAHA LIFE INSURANCE COMPANY | 207 | $217K |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 207 | $217K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 207 | $217K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 207 | $217K |
| Prescription drug | BLUE CROSS BLUE SHIELD OF TEXAS | 22 | $215K |
| Other(2 contracts, 2 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 215 | $285K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 215 | — |
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.