| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| USI INSURANCE SERVICES LLC3 Filed as: USI SOUTHWEST, INC. | 9811 KATY FREEWAY, SUITE 500 HOUSTON, TX 77024 | HUMANA HEALTH PLAN OF TEXAS, INC. | $19K | $0 | $19K | 2.81% |
| USI INSURANCE SERVICES LLC3 Filed as: USI SOUTHWEST, INC. | 7600-C NORTH CAPITAL OF TX HIGHWAY SUITE 200 AUSTIN, TX 78731 | HUMANA HEALTH PLAN OF TEXAS, INC. | $12K | $1K | $13K | 1.97% |
| USI INSURANCE SERVICES LLC3 | PO BOX 61187 VIRGINIA BEACH, VA 23466 | SUN LIFE ASSURANCE COMPANY OF CANADA | $9K | $0 | $9K | 5.20% |
| USI INSURANCE SERVICES LLC3 | PO BOX 62937 VIRGINIA BEACH, VA 23466 | SUN LIFE ASSURANCE COMPANY OF CANADA | $0 | $5K | $5K | 3.14% |
| USI INSURANCE SERVICES LLC3 Filed as: USI SOUTHWEST, INC. | 9811 KATY FREEWAY, SUITE 500 HOUSTON, TX 77024 | HUMANA INSURANCE COMPANY | $4K | $0 | $4K | 5.60% |
| USI INSURANCE SERVICES LLC3 Filed as: USI SOUTHWEST, INC. | 7600-C NORTH CAPITAL OF TX HIGHWAY SUITE 200 AUSTIN, TX 78731 | HUMANA INSURANCE COMPANY | $2K | $0 | $2K | 3.55% |
| CENTERSTONE INSURANCE AND FINANCIAL3 Filed as: CENTERSTONE INS AND FINANCIAL SVCS. | 12404 PARK CENTRAL DRIVE, SUITE 400 DALLAS, TX 75251 | HUMANA INSURANCE COMPANY | $0 | $500 | $500 | 0.74% |
| ERIC NOTHNAGEL3 | 1821 WESTINGHOUSE ROAD, SUITE 1190 GEORGETOWN, TX 78626 | AFLAC | $5 | $0 | $5 | 6.10% |
| JEROME JEFFREY PESEK3 | 12566 MESA VERDE DRIVE AUSTIN, TX 78737 | AFLAC | $1 | $0 | $1 | 1.22% |
| ERVIN EDWARD NOTHNAGEL3 | 225 COUNTRY ROAD, SUITE 3525 PARADISE, TX 76073 | AFLAC | $1 | $0 | $1 | 1.22% |
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 | 124 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 10 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 134 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HUMANA HEALTH PLAN OF TEXAS, INC. | 91 | $686K |
| Dental | HUMANA INSURANCE COMPANY | 80 | $68K |
| Vision | HUMANA INSURANCE COMPANY | 80 | $68K |
| Life insurance(2 contracts, 2 carriers) | SUN LIFE ASSURANCE COMPANY OF CANADA | 133 | $170K |
| Short-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 133 | $170K |
| Long-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 133 | $170K |
| Prescription drug | HUMANA HEALTH PLAN OF TEXAS, INC. | 91 | $686K |
| Other(2 contracts, 2 carriers) | SUN LIFE ASSURANCE COMPANY OF CANADA | 133 | $170K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 133 | — |
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.