| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| USI INSURANCE SERVICES LLC3 Filed as: USI SOUTHWEST INC | 4630 N LOOP 1604 W SAN ANTONIO, TX 782491373 | UNITEDHEALTHCARE INSURANCE COMPANY | — | $69K | $69K | 4.78% |
| USI INSURANCE SERVICES LLC3 Filed as: USI SOUTHWEST INC | 4630 N LOOP 1604 W SAN ANTONIO, TX 782491373 | UNITEDHEALTHCARE INSURANCE COMPANY | $8K | — | $8K | 0.56% |
| USI INSURANCE SERVICES LLC3 Filed as: USI SOUTHWEST INC | 14241 DALLAS PARKWAY, STE 700 DALLAS, TX 75254 | NEW YORK LIFE GROUP BENEFIT SOLUTIO | $17K | — | $17K | 16.08% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| UNITEDHEALTHCARE INSURANCE COMPANY EIN 36-2739571 NONE | Contract Administrator Service code 13 | — | $69K |
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 | 425 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 425 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 425 | $1.5M |
| Dental | UNITEDHEALTHCARE INSURANCE COMPANY | 425 | $1.5M |
| Vision | UNITEDHEALTHCARE INSURANCE COMPANY | 425 | $1.5M |
| Life insurance | NEW YORK LIFE GROUP BENEFIT SOLUTIO | 195 | $109K |
| Short-term disability | NEW YORK LIFE GROUP BENEFIT SOLUTIO | 195 | $109K |
| Long-term disability | NEW YORK LIFE GROUP BENEFIT SOLUTIO | 195 | $109K |
| Other | NEW YORK LIFE GROUP BENEFIT SOLUTIO | 195 | $109K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 425 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
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.