| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| USI INSURANCE SERVICES LLC3 | 9811 KATY FREEWAY, SUITE 500 HOUSTON, TX 77024 | BLUECROSS BLUESHIELD OF TEXAS | $18K | $12K | $30K | 12.48% |
| TRUVERIS, INC3 Filed as: TRUVERIS, INC. | 3 BEAVER VALLEY ROAD, SUITE 103 WILMINGTON, DE 19803 | BLUECROSS BLUESHIELD OF TEXAS | $0 | $18 | $18 | 0.01% |
| USI INSURANCE SERVICES LLC3 | 9811 KATY FREEWAY, SUITE 500 HOUSTON, TX 77024 | DEARBORN LIFE INSURANCE COMPANY | $18K | $4K | $22K | 18.25% |
| USI INSURANCE SERVICES LLC3 | 9811 KATY FREEWAY, SUITE 500 HOUSTON, TX 77024 | CONTINENTAL AMERICAN INSURANCE COMPANY | $26K | $0 | $26K | 23.74% |
| DOUGLAS WAYNE MOSLEY3 | 709 RIVERFALLS ROAD SAN ANGELO, TX 76903 | CONTINENTAL AMERICAN INSURANCE COMPANY | $18K | $0 | $18K | 16.50% |
| SHY LOWE MIDDLETON3 | 171 COVE CIRCLE BROWNWOOD, TX 76801 | CONTINENTAL AMERICAN INSURANCE COMPANY | $6K | $0 | $6K | 5.48% |
| BRENDA MEACHAM3 Filed as: BRENDA L. MEACHAM | 10552 NORTH 2270 ROAD CLINTON, OK 73601 | CONTINENTAL AMERICAN INSURANCE COMPANY | $6K | $0 | $6K | 5.30% |
| LONNIE ALLEN MIDDLETON3 | 2103 COUNTRY ROAD 312 ELDORADO, TX 76936 | CONTINENTAL AMERICAN INSURANCE COMPANY | $5K | $0 | $5K | 4.66% |
| THE BLUE ORANGE SOLUTIONS, LLC3 | 2435 NORTH CENTRAL EXPRESSWAY SUITE 1200 RICHARDSON, TX 75080 | CONTINENTAL AMERICAN INSURANCE COMPANY | $3K | $0 | $3K | 2.77% |
| JOSHUA L. WORTHY AND OTHER AGENTS3 | 6012 BERETTA DURANT, OK 74701 | CONTINENTAL AMERICAN INSURANCE COMPANY | $1K | $0 | $1K | 0.91% |
| USI INSURANCE SERVICES LLC3 | 1300 SUMMIT AVENUE, SUITE 200 FORT WORTH, TX 76102 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $16K | $1K | $17K | 21.56% |
| USI INSURANCE SERVICES LLC3 | 9811 KATY FREEWAY, SUITE 500 HOUSTON, TX 77024 | AMERITAS LIFE INSURANCE CORPORATION | $4K | $355 | $5K | 10.82% |
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 | 271 | 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) | 271 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | BLUECROSS BLUESHIELD OF TEXAS | 719 | $241K |
| Vision | AMERITAS LIFE INSURANCE CORPORATION | 596 | $43K |
| Life insurance | DEARBORN LIFE INSURANCE COMPANY | 182 | $122K |
| Short-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 130 | $79K |
| Long-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 130 | $79K |
| Other(2 contracts, 2 carriers) | DEARBORN LIFE INSURANCE COMPANY | 182 | $234K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 719 | — |
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."
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.