| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| USI INSURANCE SERVICES LLC3 Filed as: USI SOUTHWEST, INC. | 4630 NORTH LOOP 1604 WEST SUITE 410 SAN ANTONIO, TX 78249 | BLUECROSS BLUESHIELD OF TEXAS | $41K | $0 | $41K | 5.60% |
| USI INSURANCE SERVICES LLC3 Filed as: USI SOUTHWEST, INC. | 9811 KATY FREEWAY, SUITE 500 HOUSTON, TX 77024 | DEARBORN LIFE INSURANCE COMPANY | $6K | $0 | $6K | 11.13% |
| USI INSURANCE SERVICES LLC3 Filed as: USI SOUTHWEST, INC. | 9811 KATY FREEWAY, SUITE 500 HOUSTON, TX 77024 | CONTINENTAL AMERICAN INSURANCE COMPANY | $2K | $0 | $2K | 9.31% |
| FRANCISCO ISLAS3 | 1605 SOUTH LINDEN AVENUE PHARR, TX 78577 | CONTINENTAL AMERICAN INSURANCE COMPANY | $1K | $0 | $1K | 5.54% |
| ANNA M SPENCER3 Filed as: ANNA M. SPENCER | 3401 KIWI AVENUE MCALLEN, TX 78504 | CONTINENTAL AMERICAN INSURANCE COMPANY | $357 | $0 | $357 | 1.42% |
| GRISELDA PEREZ3 | 2209 BETTY DRIVE MISSION, TX 78572 | CONTINENTAL AMERICAN INSURANCE COMPANY | $289 | $0 | $289 | 1.15% |
| JERRY SANCHEZ3 | 2209 BETTY DRIVE MISSION, TX 78572 | CONTINENTAL AMERICAN INSURANCE COMPANY | $102 | $0 | $102 | 0.41% |
| VERONICA L. MARTINEZ3 | 30 SUNRISE ROAD RIO GRANDE, TX 78582 | CONTINENTAL AMERICAN INSURANCE COMPANY | $63 | $0 | $63 | 0.25% |
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 | 283 | 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) | 283 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUECROSS BLUESHIELD OF TEXAS | 283 | $725K |
| Dental | BLUECROSS BLUESHIELD OF TEXAS | 283 | $725K |
| Vision | DEARBORN LIFE INSURANCE COMPANY | 212 | $56K |
| Life insurance | DEARBORN LIFE INSURANCE COMPANY | 212 | $56K |
| Prescription drug | BLUECROSS BLUESHIELD OF TEXAS | 283 | $725K |
| Other(2 contracts, 2 carriers) | DEARBORN LIFE INSURANCE COMPANY | 212 | $81K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 283 | — |
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.