| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| USI INSURANCE SERVICES LLC3 Filed as: USI SOUTHWEST INC | 9811 KATY FREEWAY STE 500 HOUSTON, TX 77024 | UNITEDHEALTHCARE INSURANCE COMPANY | $8K | $90K | $98K | 5.48% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES, LLC | 312 ELM ST., FL 24 CINCINNATI, OH 452022701 | UNITEDHEALTHCARE INSURANCE COMPANY | — | $4K | $4K | 0.20% |
| USI INSURANCE SERVICES LLC3 Filed as: USI SOUTHWEST INC | PO BOX 61187 VIRGINIA BEACH, VA 23466 | UNITEDHEALTHCARE INSURANCE COMPANY | $1K | — | $1K | 19.05% |
| USI INSURANCE SERVICES LLC3 Filed as: USI SOUTHWEST INC | PO BOX 61187 VIRGINIA BEACH, CA 234661187 | METROPOLITAN LIFE INSURANCE COMPANY | $452 | $58 | $510 | 9.25% |
| USI INSURANCE SERVICES LLC3 Filed as: USI SOUTHWEST INC | 4630 N LOOP 1604W STE 410 SAN ANTONIO, TX 782995817 | METROPOLITAN LIFE INSURANCE COMPANY | $474 | — | $474 | 8.60% |
| USI INSURANCE SERVICES LLC3 Filed as: USI SOUTHWEST INC | PO BOX 61187 VIRGINIA BEACH, CA 234661187 | METROPOLITAN LIFE INSURANCE COMPANY | $387 | $50 | $437 | 9.19% |
| USI INSURANCE SERVICES LLC3 Filed as: USI SOUTHWEST INC | 4630 N LOOP 1604W STE 410 SAN ANTONIO, TX 782995817 | METROPOLITAN LIFE INSURANCE COMPANY | $414 | — | $414 | 8.70% |
| USI INSURANCE SERVICES LLC3 Filed as: USI SOUTHWEST INC | 4630 N LOOP 1604W STE 410 SAN ANTONIO, TX 782995817 | METROPOLITAN LIFE INSURANCE COMPANY | $581 | — | $581 | 13.80% |
| USI INSURANCE SERVICES LLC3 Filed as: USI SOUTHWEST INC | PO BOX 61187 VIRGINIA BEACH, CA 234661187 | METROPOLITAN LIFE INSURANCE COMPANY | $130 | $44 | $174 | 4.13% |
| USI INSURANCE SERVICES LLC3 Filed as: USI SOUTHWEST INC | 4360 N LOOP 1604W STE 410 SAN ANTONIO, TX 782995817 | METROPOLITAN LIFE INSURANCE COMPANY | $326 | $49 | $375 | — |
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 | 358 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 359 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 395 | $1.8M |
| Dental | UNITEDHEALTHCARE INSURANCE COMPANY | 395 | $1.8M |
| Vision | UNITEDHEALTHCARE INSURANCE COMPANY | 395 | $1.8M |
| Life insurance | UNITEDHEALTHCARE INSURANCE COMPANY | 53 | $8K |
| Short-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 0 | $0 |
| Other(4 contracts, 2 carriers) | UNITEDHEALTHCARE INSURANCE COMPANY | 53 | $22K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 395 | — |
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.
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.
Multiple-employer welfare arrangement. Specific regulatory and compliance context; specific consultant niche.