| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| USI INSURANCE SERVICES LLC3 Filed as: USI SOUTHWEST, INC. | 9811 KATY FREEWAY, SUITE 500 HOUSTON, TX 77024 | UNITEDHEALTHCARE INSURANCE COMPANY | $0 | $67K | $67K | 3.98% |
| BROWN & BROWN INSURANCE SERVICES3 Filed as: BROWN & BROWN INSURANCE SVCS., INC. | 8000 CENTRE PARK DRIVE, SUITE 370 AUSTIN, TX 78754 | UNITEDHEALTHCARE INSURANCE COMPANY | $0 | $20K | $20K | 1.21% |
| USI INSURANCE SERVICES LLC3 Filed as: USI SOUTHWEST, INC. | PO BOX 61187 VIRGINIA BEACH, VA 23466 | METROPOLITAN LIFE INSURANCE COMPANY | $67K | $24K | $91K | 14.98% |
| BROWN & BROWN INSURANCE SERVICES3 Filed as: BROWN & BROWN INSURANCE SVCS., INC. | 8000 CENTRE PARK DRIVE, SUITE 370 AUSTIN, TX 78754 | METROPOLITAN LIFE INSURANCE COMPANY | $14K | $1K | $15K | 2.49% |
| BROWN & BROWN INSURANCE SERVICES3 Filed as: BROWN & BROWN INSURANCE SVCS., INC. | 300 NORTH BEACH STREET DAYTONA BEACH, FL 32114 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $172 | $172 | 0.03% |
| BROWN & BROWN INSURANCE SERVICES3 Filed as: BROWN & BROWN LONE STAR INS. SVCS. | 14285 MIDWAY ROAD, SUITE 100 ADDISON, TX 75001 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $66 | $66 | 0.01% |
| BROWN & BROWN INSURANCE SERVICES3 Filed as: BROWN & BROWN LONE STAR INS. SVCS. | 5850 GRANITE PARKWAY, SUITE 350 PLANO, TX 75001 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $14 | $14 | 0.00% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES, LLC | PO BOX 62939 VIRGINIA BEACH, VA 23466 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $1 | $1 | 0.00% |
| USI INSURANCE SERVICES LLC3 Filed as: USI SOUTHWEST, INC. | PO BOX 61187 VIRGINIA BEACH, VA 23466 | STANDARD INSURANCE COMPANY | $4K | $0 | $4K | 9.29% |
| BROWN & BROWN INSURANCE SERVICES3 Filed as: BROWN & BROWN INSURANCE SVCS., INC. | 6707 GESSNER ROAD HOUSTON, TX 77040 | STANDARD INSURANCE COMPANY | $322 | $0 | $322 | 0.82% |
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 | 457 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 459 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 178 | $1.7M |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 640 | $610K |
| Vision | STANDARD INSURANCE COMPANY | 234 | $39K |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 640 | $610K |
| Short-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 640 | $610K |
| Long-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 640 | $610K |
| Prescription drug | UNITEDHEALTHCARE INSURANCE COMPANY | 178 | $1.7M |
| Other | METROPOLITAN LIFE INSURANCE COMPANY | 640 | $610K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 640 | — |
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.