| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| USI INSURANCE SERVICES LLC3 Filed as: USI SOUTHWEST, INC. | 2711 NORTH HASKELL AVENUE SUITE 2000 DALLAS, TX 75204 | BLUECROSS BLUESHIELD OF TEXAS | $74K | $3K | $77K | 5.09% |
| USI INSURANCE SERVICES LLC3 Filed as: USI SOUTHWEST, INC | 9811 KATY FREEWAY, SUITE 500 HOUSTON, TX 77024 | DEARBORN LIFE INSURANCE COMPANY | $15K | $4K | $18K | 15.47% |
| ALLIANT INSURANCE SERVICES, INC.3 | 1301 DOVE STREET, SUITE 200 NEWPORT BEACH, CA 92660 | DEARBORN LIFE INSURANCE COMPANY | $0 | $5K | $5K | 3.83% |
| GINA NICOLE HART3 | 16319 STABLE MANOR LANE CYPRESS, TX 77426 | CONTINENTAL AMERICAN INSURANCE COMPANY | $5K | $0 | $5K | 12.88% |
| USI INSURANCE SERVICES LLC3 Filed as: USI SOUTHWEST, INC. | 9811 KATY FREEWAY, SUITE 500 HOUSTON, TX 77024 | CONTINENTAL AMERICAN INSURANCE COMPANY | $3K | $0 | $3K | 7.85% |
| JEFFREY M SATTERLEE3 Filed as: JEFFREY MICHAEL SATTERLEE | 4351 JAGER DRIVE NE, SUITE J RIO RANCHO, NM 87144 | CONTINENTAL AMERICAN INSURANCE COMPANY | $2K | $0 | $2K | 5.36% |
| VICKIE D GRAVES3 Filed as: VICKIE D. GRAVES | 16340 PARK TEN PLACE HOUSTON, TX 77084 | CONTINENTAL AMERICAN INSURANCE COMPANY | $1K | $0 | $1K | 3.69% |
| GRAYSON P. VANCE3 Filed as: GRAYSON VANCE | 40902 MILL CREEK ROAD MAGNOLIA, TX 77354 | CONTINENTAL AMERICAN INSURANCE COMPANY | $1K | $0 | $1K | 2.69% |
| ROBERT PILKENTON3 | 1039 LOUISE STREET HOUSTON, TX 77009 | CONTINENTAL AMERICAN INSURANCE COMPANY | $678 | $0 | $678 | 1.76% |
| MARLENE MARLENE WANZONG3 Filed as: MARLENE G. WANZONG AND OTHER AGENTS | 2201 MATTERHORN LANE AUSTIN, TX 78704 | CONTINENTAL AMERICAN INSURANCE COMPANY | $595 | $0 | $595 | 1.55% |
| USI INSURANCE SERVICES LLC3 | PO BOX 61187 VIRGINIA BEACH, VA 23466 | EYEMED VISION CARE ON BEHALF OF FIDELITY SECURITY LIFE INSURANCE CO. | $2K | $0 | $2K | 11.32% |
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 | 237 | 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) | 237 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUECROSS BLUESHIELD OF TEXAS | 270 | $1.5M |
| Dental | BLUECROSS BLUESHIELD OF TEXAS | 270 | $1.5M |
| Vision | EYEMED VISION CARE ON BEHALF OF FIDELITY SECURITY LIFE INSURANCE CO. | 230 | $15K |
| Life insurance | DEARBORN LIFE INSURANCE COMPANY | 237 | $119K |
| Short-term disability | DEARBORN LIFE INSURANCE COMPANY | 237 | $119K |
| Long-term disability | DEARBORN LIFE INSURANCE COMPANY | 237 | $119K |
| Prescription drug | BLUECROSS BLUESHIELD OF TEXAS | 270 | $1.5M |
| Other(2 contracts, 2 carriers) | DEARBORN LIFE INSURANCE COMPANY | 237 | $157K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 270 | — |
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.