| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES SOUTHWEST | 9811 KATY FREEWAY, SUITE 500 HOUSTON, TX 77024 | BLUE CROSS BLUE SHIELD OF TEXAS | $66K | $0 | $66K | 5.58% |
| USI INSURANCE SERVICES LLC3 | PO BOX 61187 VIRGINIA BEACH, VA 23466 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $19K | $8K | $27K | 18.26% |
| TYLER VAUGHN3 | 43 STEEP TRAIL PLACE CONROE, TX 77385 | CONTINENTAL AMERICAN INSURANCE COMPANY | $7K | $0 | $7K | 8.25% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES SOUTHWEST | 9811 KATY FREEWAY, SUITE 500 HOUSTON, TX 77024 | CONTINENTAL AMERICAN INSURANCE COMPANY | $6K | $0 | $6K | 7.20% |
| 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 | 2.12% |
| CARLOS D ESPINOSA3 Filed as: CARLOS DARIO ESPINOSA | 1164 ROBERT MALLET ROAD ARNAUDVILLE, LA 70512 | CONTINENTAL AMERICAN INSURANCE COMPANY | $947 | $0 | $947 | 1.08% |
| GINA NICOLE HART3 | 16319 STABLE MANOR LANE CYPRESS, TX 77429 | CONTINENTAL AMERICAN INSURANCE COMPANY | $526 | $0 | $526 | 0.60% |
| ROBERT LEO PILKENTON & OTHER AGENTS3 | 1039 LOUISE STREET HOUSTON, TX 77090 | CONTINENTAL AMERICAN INSURANCE COMPANY | $351 | $0 | $351 | 0.40% |
| VICKIE D GRAVES3 Filed as: VICKIE D. GRAVES | 16340 PARK TEN PLACE HOUSTON, TX 77090 | CONTINENTAL AMERICAN INSURANCE COMPANY | $221 | $0 | $221 | 0.25% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES SOUTHWEST | 9811 KATY FREEWAY, SUITE 500 HOUSTON, TX 77024 | AETNA LIFE INSURANCE COMPANY | $8K | $21K | $29K | 36.96% |
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 | 136 | 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) | 136 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF TEXAS | 248 | $1.2M |
| Dental | AETNA LIFE INSURANCE COMPANY | 259 | $78K |
| Vision | AETNA LIFE INSURANCE COMPANY | 259 | $78K |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 176 | $146K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 176 | $146K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 176 | $146K |
| Prescription drug | BLUE CROSS BLUE SHIELD OF TEXAS | 248 | $1.2M |
| Other(2 contracts, 2 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 187 | $233K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 259 | — |
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.