| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| USI INSURANCE SERVICES LLC3 Filed as: USI SOUTHWEST INC | 840 GESSNER ROAD SUITE 600 HOUSTON, TX 77024 | BLUECROSS BLUESHIELD OF TEXAS | $105K | $64 | $105K | 3.50% |
| BENEFIT SOLUTIONS INC3 | 3131 WEST ALABAMA STREET 4TH FLOOR HOUSTON, TX 77098 | BLUECROSS BLUESHIELD OF TEXAS | — | $3K | $3K | 0.10% |
| PROFESSIONAL DIRECTIONAL LTD3 | P.O. BOX 750 CONROE, TX 77305 | BLUECROSS BLUESHIELD OF TEXAS | — | $14 | $14 | 0.00% |
| USI INSURANCE SERVICES LLC3 Filed as: USI SOUTHWEST INC | 840 GESSNER ROAD SUITE 600 HOUSTON, TX 77024 | AMERITAS LIFE INSURANCE CORP. | $23K | $5K | $28K | 12.53% |
| ANCO INS. SVC. OF BRYAN COLLEGE STA3 Filed as: ANCO INSURANCE SERVICES O | 840 GESSNER SUITE 600 HOUSTON, TX 77024 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $14K | — | $14K | 15.80% |
| BENEFITS SOLUTIONS GROUP LLC3 Filed as: BENEFITS SOLUTIONS LP | 3131 WEST ALABAMA STREET 4TH FLOOR HOUSTON, TX 77098 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $123 | — | $123 | 0.14% |
| ANCO INS. SVC. OF BRYAN COLLEGE STA3 Filed as: ANCO INSURANCE SERVICES O | 840 GESSNER SUITE 600 HOUSTON, TX 77024 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $8K | — | $8K | 16.64% |
| ANCO INS. SVC. OF BRYAN COLLEGE STA3 Filed as: ANCO ISNURANCE SERVICES O | 840 GESSNER SUITE 600 HOUSTON, TX 77024 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $6K | — | $6K | 16.55% |
| ANCO INS. SVC. OF BRYAN COLLEGE STA3 Filed as: ANCO INSURANCE SERIVCES O | 840 GESSNER SUITE 600 HOUSTON, TX 77024 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $5K | — | $5K | 15.00% |
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 | 188 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 9 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 9 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 206 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUECROSS BLUESHIELD OF TEXAS | 578 | $3.0M |
| Dental | AMERITAS LIFE INSURANCE CORP. | 191 | $224K |
| Vision | AMERITAS LIFE INSURANCE CORP. | 191 | $224K |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 188 | $87K |
| Short-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 106 | $47K |
| Other(3 contracts) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 188 | $161K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 578 | — |
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."
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.