| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| USI INSURANCE SERVICES LLC3 Filed as: USI SOUTHWEST INC. | PO BOX 61187 VIRGINIA BEACH, VA 23466 | BLUE CROSS BLUE SHIELD OF TEXAS | $54K | $3K | $57K | 1.15% |
| ASSUREDPARTNERS3 Filed as: ASSURED PARTNERS GULF COAST, LLC. | 600 JEFFERSON ST STE 200 LAFAYETTE, LA 70501 | BLUE CROSS BLUE SHIELD OF TEXAS | $26K | — | $26K | 0.53% |
| USI INSURANCE SERVICES LLC3 Filed as: USI SOUTHWEST INC. | PO BOX 61187 VIRGINIA BEACH, VA 23466 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $15K | $4K | $19K | 12.91% |
| USI INSURANCE SERVICES LLC3 Filed as: USI SOUTHWEST INC. | PO BOX 61187 VIRGINIA BEACH, VA 23466 | COMBINED INSURANCE COMPANY OF AMERICA | $22K | — | $22K | 18.57% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL TEXAS INC. | 10000 NORTH CENTRAL EXPY #1200 DALLAS, TX 75231 | COMBINED INSURANCE COMPANY OF AMERICA | $7K | — | $7K | 5.75% |
| ASSUREDPARTNERS3 Filed as: ASSURED PARTNERS OF HOUSTON | 18050 SATURN LANE #200 HOUSTON, TX 77058 | COMBINED INSURANCE COMPANY OF AMERICA | $119 | — | $119 | 0.10% |
| USI INSURANCE SERVICES LLC3 Filed as: USI SOUTHWEST INC. | PO BOX 61187 VIRGINIA BEACH, VA 23466 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $8K | $3K | $10K | 9.67% |
| USI INSURANCE SERVICES LLC3 Filed as: USI SOUTHWEST INC. | PO BOX 61187 VIRGINIA BEACH, VA 23466 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $6K | $2K | $8K | 9.31% |
| USI INSURANCE SERVICES LLC3 Filed as: USI SOUTHWEST INC. | PO BOX 61187 VIRGINIA BEACH, VA 23466 | AMERITAS LIFE INSURANCE CORP. | $28K | — | $28K | 33.71% |
| ASSUREDPARTNERS3 Filed as: ASSURED PARTNERS GULF COAST, LLC. | 600 JEFFERSON ST STE 200 LAFAYETTE, LA 70501 | AMERITAS LIFE INSURANCE CORP. | $19K | — | $19K | 23.54% |
| USI INSURANCE SERVICES LLC3 Filed as: USI SOUTHWEST INC. | 9811 KATY FWY STE 500 HOUSTON, TX 77024 | AMERITAS LIFE INSURANCE CORP. | — | $1K | $1K | 1.66% |
| USI INSURANCE SERVICES LLC3 Filed as: USI SOUTHWEST INC. | PO BOX 61187 VIRGINIA BEACH, VA 23466 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $2K | $526 | $3K | 12.87% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| PAYLOCITY EIN 36-4227403 COBRA/FSA FEES | Claims processing; Contract Administrator Service code 12 | — | $9K |
| RXBENEFITS, INC. EIN 63-1157085 RX ADMIN | Contract Administrator; Claims processing Service code 12 | — | $6K |
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 | 624 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 626 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF TEXAS | 1,374 | $4.9M |
| Dental | AMERITAS LIFE INSURANCE CORP. | 485 | $82K |
| Vision | AMERITAS LIFE INSURANCE CORP. | 485 | $82K |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 624 | $146K |
| Short-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 305 | $108K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 624 | $85K |
| Other(3 contracts, 2 carriers) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 624 | $286K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,374 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.