| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| USI INSURANCE SERVICES LLC3 Filed as: USI SOUTHWEST, INC. | PO BOX 201629 DALLAS, TX 75320 | AETNA LIFE INSURANCE COMPANY | $91K | $0 | $91K | 11.08% |
| USI INSURANCE SERVICES LLC3 | 10940 WHITE ROCK ROAD, 2ND FLOOR RANCHO CORDOVA, CA 95670 | CALIFORNIA PHYSICIANS SERVICE | $36K | $0 | $36K | 5.00% |
| USI INSURANCE SERVICES LLC3 | 600 HIGHWAY 169 SOUTH, 12TH FLOOR SAINT LOUIS PARK, MN 55426 | KAISER FOUNDATION HEALTH PLAN INC | $8K | $0 | $8K | 2.77% |
| USI INSURANCE SERVICES LLC3 Filed as: USI SOUTHWEST, INC. | PO BOX 203508 DALLAS, TX 75320 | VISION SERVICE PLAN | $4K | $0 | $4K | 2.06% |
| USI INSURANCE SERVICES LLC3 | 1350 TREAT BOULEVARD, SUITE 550 WALNUT CREEK, CA 94597 | BLUECROSS BLUESHIELD OF WESTERN NEW YORK | $6K | $0 | $6K | 3.03% |
| USI INSURANCE SERVICES LLC3 | 100 SUMMIT LAKE DRIVE, SUITE 400 VALHALLA, NY 10595 | BLUECROSS BLUESHIELD OF WESTERN NEW YORK | $2K | $0 | $2K | 1.15% |
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 | 1,415 | 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) | 1,415 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 3 carriers) | CALIFORNIA PHYSICIANS SERVICE | 159 | $1.2M |
| Vision | VISION SERVICE PLAN | 1,037 | $186K |
| Life insurance | AETNA LIFE INSURANCE COMPANY | 1,415 | $822K |
| Short-term disability | AETNA LIFE INSURANCE COMPANY | 1,415 | $822K |
| Long-term disability | AETNA LIFE INSURANCE COMPANY | 1,415 | $822K |
| Prescription drug(3 contracts, 3 carriers) | CALIFORNIA PHYSICIANS SERVICE | 159 | $1.2M |
| Other | AETNA LIFE INSURANCE COMPANY | 1,415 | $822K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,415 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
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.