| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| USI INSURANCE SERVICES LLC3 Filed as: USI SOUTHWEST INC. | 2711 N HASKELL AVE. STE 2000 DALLAS, TX 75204 | HEALTH CARE SERVICE CORPORATION | $53K | $36K | $88K | 1.52% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES | 5420 LBJ FREEWAY, STE 400 DALLAS, TX 75240 | HEALTH CARE SERVICE CORPORATION | -$602 | — | -$602 | -0.01% |
| USI INSURANCE SERVICES LLC3 Filed as: USI SOUTHWEST INC. | PO BOX 61187 VIRGINIA BEACH, VA 23466 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $25K | $2K | $27K | 15.82% |
| USI INSURANCE SERVICES LLC3 Filed as: USI SOUTHWEST, INC. | PO BOX 61187 VIRGINIA BEACH, VA 23466 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $19K | $2K | $21K | 16.17% |
| USI INSURANCE SERVICES LLC3 Filed as: USI SOUTHWEST INC. | PO BOX 61187 VIRGINIA BEACH, VA 23466 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $15K | $1K | $16K | 16.10% |
| USI INSURANCE SERVICES LLC3 Filed as: USI SOUTHWEST INC. | 2711 N. HASKELL AVENUE, SUITE 2000 DALLAS, TX 752042914 | DEARBORN LIFE INSURANCE COMPANY | $6K | — | $6K | 9.61% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC. | 5420 LBJ FREEWAY STE 400 DALLAS, TX 75240 | DEARBORN LIFE INSURANCE COMPANY | — | $4K | $4K | 6.83% |
| USI INSURANCE SERVICES LLC3 Filed as: USI SOUTHWEST INC TX | 9811 KATY FREEWAY STE 500 HOUSTON, TX 77024 | DEARBORN LIFE INSURANCE COMPANY | — | $3K | $3K | 5.68% |
| TOTAL BENEFIT SOLUTIONS3 | 7412 UNIVERSITY AVE STE 1 LUBBOCK, TX 79423 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $4K | — | $4K | 9.28% |
| USI INSURANCE SERVICES LLC3 Filed as: USI SW, INC. - DALLAS | PO BOX 61187 VIRGINIA BEACH, VA 23466 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $376 | $32 | $408 | 1.02% |
| DAVIS ALLEN AGENCY INC3 | 7412 UNIVERSITY AVE UNIT 1 LUBBOCK, TX 79423 | UNUM LIFE INSURANCE COMPANY OF AMERICA | — | $79 | $79 | 0.20% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC. | 2850 W GOLF RD 11TH FLOOR ROLLING MEADOWS, IL 60008 | UNUM LIFE INSURANCE COMPANY OF AMERICA | — | -$3K | -$3K | -8.71% |
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 | 533 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 7 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 540 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HEALTH CARE SERVICE CORPORATION | 941 | $5.8M |
| Dental | HEALTH CARE SERVICE CORPORATION | 941 | $5.8M |
| Vision | DEARBORN LIFE INSURANCE COMPANY | 165 | $59K |
| Life insurance(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 533 | $298K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 287 | $101K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 533 | $170K |
| Other(3 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 533 | $338K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 941 | — |
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."
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.