| 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 | $43K | $4K | $47K | 0.99% |
| USI INSURANCE SERVICES LLC3 Filed as: USI SOUTHWEST INC. | 2711 N. HASKELL AVENUE, SUITE 2000 DALLAS, TX 752042914 | DEARBORN LIFE INSURANCE COMPANY | $71K | — | $71K | 14.52% |
| USI INSURANCE SERVICES LLC3 Filed as: USI SOUTHWEST INC. | 9811 KATY FWY, SUITE 500 HOUSTON, TX 77024 | DEARBORN LIFE INSURANCE COMPANY | — | $3K | $3K | 0.60% |
| TOTAL BENEFIT SOLUTIONS3 | 2527 86TH ST. LUBBOCK, TX 79423 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $311 | — | $311 | 10.40% |
| USI INSURANCE SERVICES LLC3 Filed as: USI SW, INC. - DALLAS | 2711 N. HASKELL AVE. STE. 200 DALLAS, TX 75204 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $72 | $6 | $78 | 2.61% |
| DAVIS ALLEN AGENCY INC3 | 2527 86TH ST. LUBBOCK, TX 79423 | UNUM LIFE INSURANCE COMPANY OF AMERICA | — | $9 | $9 | 0.30% |
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 | 357 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 13 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 370 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HEALTH CARE SERVICE CORPORATION | 790 | $4.7M |
| Dental | HEALTH CARE SERVICE CORPORATION | 790 | $4.7M |
| Vision | DEARBORN LIFE INSURANCE COMPANY | 193 | $487K |
| Life insurance | DEARBORN LIFE INSURANCE COMPANY | 193 | $487K |
| Short-term disability | DEARBORN LIFE INSURANCE COMPANY | 193 | $487K |
| Long-term disability | DEARBORN LIFE INSURANCE COMPANY | 193 | $487K |
| Other(3 contracts, 3 carriers) | HEALTH CARE SERVICE CORPORATION | 790 | $5.2M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 790 | — |
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.