| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| USI INSURANCE SERVICES LLC3 Filed as: USI SW, INC - DALLAS | P O BOX 61187 VIRGINIA BEACH, VA 23466 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $243K | $18K | $261K | 13.13% |
| USI INSURANCE SERVICES LLC3 Filed as: USI SOUTHWEST INC | 2711 N. HASKELL AVENUE, SUITE 2000 DALLAS, TX 752042914 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | $97K | — | $97K | 9.91% |
| BENEFIT COMMUNICATIONS INC3 | 2977 SIDCO DR NASHVILLE, TN 37204 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $72K | $12K | $84K | 58.97% |
| USI INSURANCE SERVICES LLC3 Filed as: USI SW, INC. - DALLAS | PO BOX 61187 VIRGINIA BEACH, VA 23466 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $24K | $2K | $26K | 18.42% |
| USI INSURANCE SERVICES LLC3 Filed as: USI SOUTHWEST INC | 2711 N. HASKELL AVENUE, SUITE 2000 DALLAS, TX 752042914 | HM LIFE INSURANCE COMPANY | $10K | — | $10K | 10.00% |
| USI INSURANCE SERVICES LLC3 Filed as: USI SOUTHWEST INC | 2711 N. HASKELL AVENUE, SUITE 2000 DALLAS, TX 752042914 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $5K | — | $5K | 10.00% |
| USI INSURANCE SERVICES LLC3 Filed as: USI SW, INC - HOUSTON | 9811 KATY FWY #500 HOUSTON, TX 77024 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $6K | $1K | $8K | 24.41% |
| USI INSURANCE SERVICES LLC3 Filed as: USI SOUTHWEST INC | 2711 N. HASKELL AVENUE, SUITE 2000 DALLAS, TX 752042914 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $3K | — | $3K | 10.00% |
| ANCO INS. SVC. OF BRYAN COLLEGE STA3 Filed as: ANCO INSURANCE SERVICES | 2711 N HASKELL AVENUE STE 2000 DALLAS, TX 75204 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $761 | — | $761 | 14.99% |
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 | 1,099 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 11 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,110 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 5 | $76K |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 1,419 | $977K |
| Vision | HM LIFE INSURANCE COMPANY | 2,520 | $102K |
| Life insurance | UNUM LIFE INSURANCE COMPANY OF AMERICA | 1,099 | $2.0M |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 1,099 | $2.0M |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 1,099 | $2.0M |
| Other(5 contracts, 4 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 1,099 | $2.2M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,520 | — |
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.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.