| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| USI INSURANCE SERVICES LLC3 Filed as: USI SOUTHWEST, INC. | 2711 N HASKWELL AVENUE SUITE 200 DALLAS, TX 75204 | BLUECROSS BLUESHIELD OF TEXAS | $202K | $2K | $205K | 3.70% |
| USI INSURANCE SERVICES LLC3 Filed as: USI SOUTHWEST INC. | 2711 NORTH HASKELLY AVENUE SUITE 2000 DALLAS, TX 75204 | BLUECROSS BLUESHIELD OF TEXAS | — | $10 | $10 | 0.00% |
| PROFESSIONAL DIRECTIONAL ENTERPRISE3 | 850 CONROE PARK W. DR CONROE, TX 77303 | BLUECROSS BLUESHIELD OF TEXAS | — | $1 | $1 | 0.00% |
| USI INSURANCE SERVICES LLC3 Filed as: USI SOUTHWEST INC | PO BOX 61187 VIRGINIA BEACH, VA 23466 | STANDARD INSURANCE COMPANY | $15K | — | $15K | 9.15% |
| USI INSURANCE SERVICES LLC3 Filed as: USI SOUTHWEST INC | 2711 NORTH HASKELL AVENUE SUITE 2000 DALLAS, TX 75204 | STANDARD INSURANCE COMPANY | $5K | — | $5K | 3.10% |
| USI INSURANCE SERVICES LLC3 Filed as: USI SOUTHWEST INC | PO BOX 61187 VIRIGINIA BEACH, VA 23466 | STANDARD INSURANCE COMPANY | $14K | — | $14K | 9.12% |
| USI INSURANCE SERVICES LLC3 Filed as: USI SOUTHWEST INC | 2700 NORTH HASKELL AVENUE SUITE 2000 DALLAS, TX 75204 | STANDARD INSURANCE COMPANY | $3K | — | $3K | 1.93% |
| USI INSURANCE SERVICES LLC3 Filed as: USI SOUTHWEST INC | PO BOX 61187 VIRGINIA BEACH, VA 23466 | STANDRAD INSURANCE COMPANY | $10K | — | $10K | 9.14% |
| USI INSURANCE SERVICES LLC3 Filed as: USI SOUTHWEST INC | 2711 NORTH HASKELL AVENUE SUITE 2000 DALLAS, TX 75204 | STANDRAD INSURANCE COMPANY | $2K | — | $2K | 2.21% |
| USI INSURANCE SERVICES LLC3 Filed as: USI SOUTHWEST INC | PO BOX 61187 VIRGINIA BEACH, VA 23466 | METROPOLITAN LIFE INSURANCE COMPANY | $5K | $951 | $6K | 11.73% |
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 | 400 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 11 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 9 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 420 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUECROSS BLUESHIELD OF TEXAS | 1,025 | $5.5M |
| Dental | BLUECROSS BLUESHIELD OF TEXAS | 1,025 | $5.5M |
| Vision | METROPOLITAN LIFE INSURANCE COMPANY | 1,332 | $51K |
| Life insurance | STANDARD INSURANCE COMPANY | 411 | $160K |
| Short-term disability | STANDRAD INSURANCE COMPANY | 212 | $107K |
| Long-term disability | STANDARD INSURANCE COMPANY | 243 | $156K |
| Other | STANDARD INSURANCE COMPANY | 411 | $160K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,332 | — |
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.