| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES SOUTHWEST | 303 NORTH OREGON STREET, SUITE 210 EL PASO, TX 79901 | BLUECROSS BLUESHIELD OF TEXAS | $29K | $0 | $29K | 12.67% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES SOUTHWEST | 9811 KATY FREEWAY, SUITE 500 HOUSTON, TX 77024 | DEARBORN LIFE INSURANCE COMPANY | $9K | $0 | $9K | 9.51% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH AND MCLENNAN AGENCY | 8144 WALNUT HILL, 16TH FLOOR DALLAS, TX 75231 | DEARBORN LIFE INSURANCE COMPANY | $5K | $0 | $5K | 5.49% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH AND MCLENNAN AGENCY | 2300 RENAISSANCE BOULEVARD KING OF PRUSSIA, PA 19406 | DEARBORN LIFE INSURANCE COMPANY | $0 | $5K | $5K | 4.57% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES SOUTHWEST | 3221 COLLINSWORTH STREET FORT WORTH, TX 76107 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $14K | $3K | $16K | 23.89% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES SOUTHWEST | 9811 KATY FREEWAY, SUITE 500 HOUSTON, TX 77024 | AMERITAS LIFE INSURANCE CORPORATION | $4K | $763 | $5K | 11.98% |
| TERRY SPERLE3 Filed as: TERRY L. SPERLE AND OTHER AGENTS | 1211 NORTH GLENN L. ENGLISH STREET CORDELL, OK 73632 | AFLAC | $135 | $0 | $135 | 3.83% |
| ROXY DODD GARTON3 | 10448 SAN CLEMENTE DRIVE PAINT ROCK, TX 76866 | AFLAC | $74 | $0 | $74 | 2.10% |
| LINDA DUREN ROBERT3 | 10484 SAN CLEMENTE DRIVE PAINT ROCK, TX 76866 | AFLAC | $42 | $0 | $42 | 1.19% |
| BRENDA MEACHAM3 Filed as: BRENDA L. MEACHAM | 200 EAST GARY BOULEVARD CLINTON, OK 73601 | AFLAC | $34 | $0 | $34 | 0.96% |
| AMANDA MCCANN POTTER3 | PO BOX 591 COMFORT, TX 78013 | AFLAC | $25 | $0 | $25 | 0.71% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: ROBIN BROWN | 5911 FOX RUN WAY OKLAHOMA CITY, OK 73142 | AFLAC | $23 | $0 | $23 | 0.65% |
| BLESSED MOSLEY INC3 Filed as: BLESSED MOSLEY, INC. | 709 RIVERFALLS ROAD SAN ANGELO, TX 76903 | AFLAC | $20 | $0 | $20 | 0.57% |
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 | 255 | 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) | 255 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | BLUECROSS BLUESHIELD OF TEXAS | 710 | $233K |
| Vision | AMERITAS LIFE INSURANCE CORPORATION | 561 | $39K |
| Life insurance | DEARBORN LIFE INSURANCE COMPANY | 161 | $100K |
| Short-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 108 | $68K |
| Long-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 108 | $68K |
| Other(2 contracts, 2 carriers) | DEARBORN LIFE INSURANCE COMPANY | 161 | $103K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 710 | — |
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."
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.