| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES, LLC | 2711 NORTH HASKELL AVENUE SUITE 2000 DALLAS, TX 75204 | BLUECROSS BLUESHIELD OF TEXAS | $64K | — | $64K | 4.85% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE INC. | 200 GALLERIA PARKWAY, SUITE 1950 ATLANTA, GA 30339 | BLUECROSS BLUESHIELD OF TEXAS | — | $1K | $1K | 0.10% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES, LLC | 9811 KATY FREEWAY, SUITE 500 HOUSTON, TX 77024 | HUMANADENTAL INSURANCE COMPANY | $9K | — | $9K | 9.38% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE INC. | 200 GALLERIA PARKWAY, SUITE 1950 ATLANTA, GA 30339 | HUMANADENTAL INSURANCE COMPANY | $4K | $3K | $7K | 6.60% |
| TOTAL BENEFIT SOLUTIONS3 | 8008 SLIDE ROAD, SUITE 14 LUBBOCK, TX 79424 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $11K | — | $11K | 27.79% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES, LLC | PO BOX 61187 VIRGINIA BEACH, VA 23466 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $8K | $796 | $9K | 24.07% |
| DAVID ALLEN AGENCY, INC.3 Filed as: DAVID ALLEN AGENCY INC. | 7412 UNIVERSITY AVENUE, UNIT 1 LUBBOCK, TX 79423 | UNUM LIFE INSURANCE COMPANY OF AMERICA | — | $860 | $860 | 2.23% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES, LLC | 9811 KATY FREEWAY, SUITE 500 HOUSTON, TX 77024 | KANAWHA INSURANCE COMPANY | $2K | — | $2K | 12.89% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE INC. | 200 GALLERIA PARKWAY, SUITE 1950 ATLANTA, GA 30339 | KANAWHA INSURANCE COMPANY | $489 | $2 | $491 | 3.49% |
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 | 218 | 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) | 218 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUECROSS BLUESHIELD OF TEXAS | 218 | $1.3M |
| Dental | HUMANADENTAL INSURANCE COMPANY | 135 | $100K |
| Vision | HUMANADENTAL INSURANCE COMPANY | 135 | $100K |
| Life insurance(2 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 137 | $53K |
| Long-term disability | KANAWHA INSURANCE COMPANY | 78 | $14K |
| Prescription drug | BLUECROSS BLUESHIELD OF TEXAS | 218 | $1.3M |
| Other | UNUM LIFE INSURANCE COMPANY OF AMERICA | 137 | $39K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 218 | — |
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."
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.