| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| USI INSURANCE SERVICES LLC3 Filed as: USI SOUTHWEST INC | 2711 HASKELL AVE DALLAS, TX 75204 | BLUECROSS BLUESHIELD OF TEXAS | $112K | $1K | $113K | 4.72% |
| USI INSURANCE SERVICES LLC3 Filed as: USI SOUTHWEST INC TX | 9811 KATY FREEWAY HOUSTON, TX 77024 | BLUECROSS BLUESHIELD OF TEXAS | — | $4K | $4K | 0.18% |
| USI INSURANCE SERVICES LLC3 Filed as: USI SOUTHWEST INC TX | 9811 KATY FREEWAY SUITE 500 HOUSTON, TX 77024 | DEARBORN LIFE INSURANCE COMPANY | $24K | $8K | $33K | 19.28% |
| DANIEL E DIASPRO3 Filed as: DANIEL DIASPRO | 293 WAYSIDE DR DAYTON, OH 45440 | AFLAC | $120 | — | $120 | 4.78% |
| KELLEY MCCRAY3 | 5 MARSH CT SPRINGBORO, OH 45066 | AFLAC | $33 | — | $33 | 1.31% |
| AMY O'CONNOR3 | 4107 HUNTERS CREEK DAYTON, OH 45459 | AFLAC | $33 | — | $33 | 1.31% |
| KYLE DUANE DAFLER3 Filed as: KYLE DAFLER | 2431 HAWKINS RD RICHMOND, IN 47374 | AFLAC | $30 | — | $30 | 1.20% |
| MATTHEW HAND3 | 10414 GOLDENBROOK WAY TAMPA, FL 33647 | AFLAC | $18 | — | $18 | 0.72% |
| MICHAEL C WALKER3 Filed as: MICHAEL REBER | 20101 HERON CROSSING DR TAMPA, FL 33647 | AFLAC | $8 | — | $8 | 0.32% |
| BRIAN DAY3 | 3645 W CLARK RD UNIT 40 DEWITT, MI 48820 | AFLAC | $3 | — | $3 | 0.12% |
| IAN B BRANYON3 Filed as: IAN BRANYON | 9300 HARRIS CORNERS PKWY STE 100 CHARLOTTE, NC 28269 | AFLAC | $1 | — | $1 | 0.04% |
| USI INSURANCE SERVICES LLC3 Filed as: USI SOUTHWEST, INC. | 303 N OREGON STE 310 EL PASO, TX 79901 | HARTFORD LIFE AND ACCIDENT | $215 | $41 | $256 | 11.88% |
| USI INSURANCE SERVICES LLC3 Filed as: USI SOUTHWEST INC | 14241 DALLAS PKWY,STE 700 DALLAS, TX 75254 | ACE AMERICAN INSURANCE COMPANY | $943 | $55 | $998 | 47.64% |
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 | 176 | 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) | 176 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUECROSS BLUESHIELD OF TEXAS | 273 | $2.4M |
| Dental | BLUECROSS BLUESHIELD OF TEXAS | 273 | $2.4M |
| Vision | DEARBORN LIFE INSURANCE COMPANY | 333 | $170K |
| Life insurance | DEARBORN LIFE INSURANCE COMPANY | 333 | $170K |
| Short-term disability(2 contracts, 2 carriers) | AFLAC | 5 | $5K |
| Long-term disability | DEARBORN LIFE INSURANCE COMPANY | 333 | $170K |
| Prescription drug | BLUECROSS BLUESHIELD OF TEXAS | 273 | $2.4M |
| Other(4 contracts, 3 carriers) | DEARBORN LIFE INSURANCE COMPANY | 333 | $178K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 333 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.