| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CLARIBEN INSURANCE AGENCY3 Filed as: CLARIBEN INSURANCE AGENCY LLC | 7322 SOUTHWEST FWY 1777 HOUSTON, TX 77074 | GUARDIAN | $71K | $0 | $71K | 14.69% |
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT INSURANCE SERVICES INC | 3600 N CAPITAL OF TEXAS HWY BUILDING B, SUITE 200 AUSTIN, TX 78746 | GUARDIAN | $28K | $0 | $28K | 5.83% |
| DOMINIC RODRIGUEZ3 | 17611 BELWOOD PARK LANE CYPRESS, TX 77433 | GUARDIAN | $61 | $0 | $61 | 0.01% |
| TAILORED WORKSITE SERVICES3 Filed as: TAILORED WORKSITE SEVICES | 1802 LAKE MEADOWS COURT HOUSTON, TX 77077 | GUARDIAN | $61 | $0 | $61 | 0.01% |
| ENROLLEASE3 | 660 YORK STREET STE 102 SAN FRANCISCO, CA 94110 | GUARDIAN | -$2K | $0 | -$2K | -0.44% |
| USI INSURANCE SERVICES LLC3 Filed as: USI SOUTHWEST, INC. | 3221 COLLINSWORTH STREET FORT WORTH, TX 76107 | GUARDIAN | -$16K | $46 | -$16K | -3.25% |
| TBX EMPLOYEE BENEFITS LLC3 | 7500 DALLAS PARKWAY STE 550 PLANO, TX 75024 | METROPOLITAN LIFE INSURANCE COMPANY | $5K | $891 | $6K | — |
| USI INSURANCE SERVICES LLC3 Filed as: USI SOUTHWEST INC | PO BOX 61187 VIRGINIA BEACH, VA 23466 | METROPOLITAN LIFE INSURANCE COMPANY | $3K | $83 | $3K | — |
| USI INSURANCE SERVICES LLC3 | P.O. BOX 61187 VIRGINIA BEACH, VA 23466 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $202 | $202 | — |
| TBX EMPLOYEE BENEFITS LLC3 | 7500 DALLAS PARKWAY STE 550 PLANO, TX 75024 | METROPOLITAN LIFE INSURANCE COMPANY | $6K | $1K | $7K | — |
| USI INSURANCE SERVICES LLC3 Filed as: USI SOUTHWEST INC | P.O. BOX 61187 VIRGINIA BEACH, VA 23466 | METROPOLITAN LIFE INSURANCE COMPANY | $4K | $83 | $4K | — |
| USI INSURANCE SERVICES LLC3 | P.O. BOX 61187 VIRGINIA BEACH, VA 23466 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $224 | $224 | — |
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 | 1,105 | 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) | 1,105 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts) | METROPOLITAN LIFE INSURANCE COMPANY | 0 | $0 |
| Life insurance | GUARDIAN | 458 | $481K |
| Short-term disability | GUARDIAN | 458 | $481K |
| Long-term disability | GUARDIAN | 458 | $481K |
| Other(3 contracts, 2 carriers) | GUARDIAN | 458 | $481K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 458 | — |
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.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
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.