| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| USI INSURANCE SERVICES LLC3 Filed as: USI SOUTHWEST, INC. | 303 NORTH OREGON, SUITES 210, 310 EL PASO, TX 79901 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $116K | $25K | $141K | 10.50% |
| HODGES, GREGORY, JAMES3 Filed as: HODGES-MACE BENEFITS GROUOP | 3350 RIVERWOOD PARKWAY, SUITE 80 ATLANTA, GA 30339 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $93 | $0 | $93 | 0.01% |
| EQUIFY RISK SERVICES3 | 12222 MERIT DRIVE, SUITE 1400 DALLAS, TX 75251 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $20 | $0 | $20 | 0.00% |
| USI INSURANCE SERVICES LLC3 | PO BOX 61187 VIRGINIA BEACH, VA 23466 | METROPOLITAN LIFE INSURANCE COMPANY | $70K | $89 | $70K | 8.48% |
| USI INSURANCE SERVICES LLC3 Filed as: USI SOUTHWEST, INC. | 303 NORTH OREGON, SUITES 210, 310 EL PASO, TX 79901 | UNUM INSURANCE COMPANY | $22K | $4K | $26K | 12.67% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY, LLC | 8144 WALNUT HILL LANE, SUITE 1600 DALLAS, TX 75231 | UNUM INSURANCE COMPANY | $7K | $563 | $7K | 3.52% |
| HODGES, GREGORY, JAMES3 Filed as: HODGES-MACE BENEFITS GROUOP | 3350 RIVERWOOD PARKWAY, SUITE 80 ATLANTA, GA 30339 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $444 | $0 | $444 | 4.71% |
| EQUIFY RISK SERVICES3 | 12222 MERIT DRIVE, SUITE 1400 DALLAS, TX 75251 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $27 | $0 | $27 | 0.29% |
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 | 2,302 | 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) | 2,302 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 3,470 | $828K |
| Vision | METROPOLITAN LIFE INSURANCE COMPANY | 3,470 | $828K |
| Life insurance | UNUM LIFE INSURANCE COMPANY OF AMERICA | 2,302 | $1.3M |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 2,302 | $1.3M |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 2,302 | $1.3M |
| Other(3 contracts, 3 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 2,302 | $1.6M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 3,470 | — |
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.