| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ASSUREDPARTNERS3 Filed as: ASSUREDPARTNERS GULF COAST INS AGCY | 600 JEFFERSON ST STE 200 LAFAYETTE, LA 70501 | BLUE CROSS BLUE SHIELD OF TEXAS | $92K | — | $92K | 2.15% |
| ASSUREDPARTNERS3 Filed as: ASSUREDPARTNERS GULF COAST INS AGCY | 600 JEFFERSON ST STE 200 LAFAYETTE, LA 70501 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $31K | — | $31K | 15.31% |
| USI INSURANCE SERVICES LLC3 Filed as: USI SOUTHWEST INC. | PO BOX 61187 VIRGINIA BEACH, VA 23466 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $5K | $5K | 2.67% |
| ASSUREDPARTNERS3 Filed as: ASSUREDPARTNERS GULF COAST INS AGCY | 600 JEFFERSON ST STE 200 LAFAYETTE, LA 70501 | COMBINED INSURANCE COMPANY OF AMERICA | $26K | — | $26K | 15.52% |
| ASSUREDPARTNERS3 Filed as: ASSURED PARTNERS OF HOUSTON | 18050 SATURN LANE #200 HOUSTON, TX 77058 | COMBINED INSURANCE COMPANY OF AMERICA | $17K | — | $17K | 10.35% |
| USI INSURANCE SERVICES LLC3 Filed as: USI SOUTHWEST INC. | PO BOX 61187 VIRGINIA BEACH, VA 23466 | COMBINED INSURANCE COMPANY OF AMERICA | $7K | — | $7K | 4.15% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL TEXAS INC. | 10000 NORTH CENTRAL EXPY #1200 DALLAS, TX 75231 | COMBINED INSURANCE COMPANY OF AMERICA | $4K | — | $4K | 2.61% |
| ASSUREDPARTNERS3 Filed as: ASSUREDPARTNERS GULF COAST INS AGCY | 600 JEFFERSON ST STE 200 LAFAYETTE, LA 70501 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $14K | — | $14K | 10.33% |
| USI INSURANCE SERVICES LLC3 Filed as: USI SOUTHWEST INC | PO BOX 61187 VIRGINIA BEACH, VA 23466 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $4K | $4K | 2.83% |
| ASSUREDPARTNERS3 Filed as: ASSUREDPARTNERS GULF COAST INS AGCY | 600 JEFFERSON ST STE 200 LAFAYETTE, LA 70501 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $12K | — | $12K | 10.44% |
| USI INSURANCE SERVICES LLC3 Filed as: USI SOUTHWEST INC. | PO BOX 61187 VIRGINIA BEACH, VA 23466 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $3K | $3K | 2.70% |
| ASSUREDPARTNERS3 Filed as: ASSUREDPARTNERS GULF COAST INS AGCY | 600 JEFFERSON ST STE 200 LAFAYETTE, LA 70501 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $5K | — | $5K | 15.53% |
| USI INSURANCE SERVICES LLC3 Filed as: USI SOUTHWEST INC. | PO BOX 61187 VIRGINIA BEACH, VA 23466 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $787 | $787 | 2.66% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| AMERITAS LIFE INSURANCE CORP. EIN 47-0098400 DENTAL/VISION ADMIN | Claims processing; Contract Administrator Service code 12 | — | $79K |
| ASSUREDPARTNERS GULF COAST INS AGCY EIN 46-4936799 BROKER | Other commissions Service code 55 | — | $45K |
| RXBENEFITS, INC. EIN 63-1157085 RX ADMIN | Contract Administrator; Claims processing Service code 12 | — | $7K |
| PAYLOCITY EIN 36-4227403 COBRA/FSA FEES | Contract Administrator; Claims processing Service code 12 | — | $7K |
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 | 778 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 11 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 32 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 821 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF TEXAS | 1,482 | $4.3M |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 778 | $203K |
| Short-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 354 | $137K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 778 | $116K |
| Other(3 contracts, 2 carriers) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 778 | $398K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,482 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.