| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| USI INSURANCE SERVICES LLC3 Filed as: USI SOUTHERWEST, INC. | 9811 KATY FREEWAY, SUITE 500 HOUSTON, TX 77024 | DEARBORN LIFE INSURANCE COMPANY | $69K | $25K | $94K | 13.61% |
| CONSOLIDATED BENEFITS INC3 | 2500 ELMERTON AVENUE HARRISBURG, PA 17177 | DEARBORN LIFE INSURANCE COMPANY | $35K | $0 | $35K | 5.00% |
| MARTIN R. MIRACLE3 | 13926 MAPLE CLIFF LANE CYPRESS, TX 77429 | HEARTLAND | $3K | $0 | $3K | 5.00% |
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 | 578 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 12 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 5 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 595 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HIGHMARK INC. | 77 | $294K |
| Vision | HEARTLAND | 1,211 | $58K |
| Life insurance | DEARBORN LIFE INSURANCE COMPANY | 637 | $693K |
| Short-term disability | DEARBORN LIFE INSURANCE COMPANY | 637 | $693K |
| Long-term disability | DEARBORN LIFE INSURANCE COMPANY | 637 | $693K |
| Prescription drug | HIGHMARK INC. | 77 | $294K |
| Other | DEARBORN LIFE INSURANCE COMPANY | 637 | $693K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,211 | — |
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.