| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| USI INSURANCE SERVICES LLC3 Filed as: USI SOUTHWEST, INC. | 2711 NORTH HASKELL AVENUE SUITE 2000 DALLAS, TX 75204 | DEARBORN LIFE INSURANCE COMPANY | $60K | $0 | $60K | 8.22% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF TEXAS, INC. | 500 NORTH AKARD STREET, SUITE 4300 DALLAS, TX 75201 | DEARBORN LIFE INSURANCE COMPANY | $36K | $0 | $36K | 4.96% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF TEXAS | 1400 NORTH MCCOLL, SUITE 105 HOUSTON, TX 77024 | DEARBORN LIFE INSURANCE COMPANY | $0 | $5K | $5K | 0.62% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF TEXAS, INC. | 500 NORTH AKARD STREET, SUITE 4300 DALLAS, TX 75201 | TRANSAMERICA LIFE INSURANCE COMPANY | $5K | $0 | $5K | 24.00% |
| WILLIS TOWERS WATSON US LLC4 Filed as: WILLIS OF TEXAS, INC. | 15305 DALLAS PARKWAY, SUITE 1100 ADDISON, TX 75001 | PRE-PAID LEGAL SERVICES, INC. DBA LEGALSHIELD | $2K | $0 | $2K | 12.04% |
| INTERMEDIARY SOLUTIONS COMPANY3 | 5729 LEBANON ROAD, SUITE 144/211 FRISCO, TX 75034 | PRE-PAID LEGAL SERVICES, INC. DBA LEGALSHIELD | $926 | $0 | $926 | 6.01% |
| USI INSURANCE SERVICES LLC4 Filed as: USI SOUTHWEST, INC. | 14241 DALLAS PARKWAY, SUITE 700 DALLAS, TX 75254 | PRE-PAID LEGAL SERVICES, INC. DBA LEGALSHIELD | $279 | $0 | $279 | 1.81% |
| USI INSURANCE SERVICES LLC3 Filed as: USI SOUTHWEST, INC. | 14241 DALLAS PARKWAY, SUITE 700 DALLAS, TX 75254 | ZURICH AMERICAN INSURANCE COMPANY | $949 | $0 | $949 | 20.00% |
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 | 900 | 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) | 900 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUECROSS BLUESHIELD OF TEXAS | 1,469 | $8.6M |
| Dental | BLUECROSS BLUESHIELD OF TEXAS | 1,469 | $8.6M |
| Vision | DEARBORN LIFE INSURANCE COMPANY | 900 | $724K |
| Life insurance | DEARBORN LIFE INSURANCE COMPANY | 900 | $724K |
| Short-term disability | DEARBORN LIFE INSURANCE COMPANY | 900 | $724K |
| Long-term disability | DEARBORN LIFE INSURANCE COMPANY | 900 | $724K |
| Prescription drug | BLUECROSS BLUESHIELD OF TEXAS | 1,469 | $8.6M |
| Other(5 contracts, 5 carriers) | DEARBORN LIFE INSURANCE COMPANY | 900 | $781K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,469 | — |
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.
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.