| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| USI INSURANCE SERVICES LLC3 Filed as: USI SOUTHWEST, INC. | 7600-C NORTH CAPITAL OF TEXAS HWY SUITE 200 AUSTIN, TX 78731 | BLUECROSS BLUESHIELD OF TEXAS | $0 | $3K | $3K | 0.07% |
| USI INSURANCE SERVICES LLC3 | PO BOX 61187 VIRGINIA BEACH, VA 23466 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $89 | $89 | 0.03% |
| USI INSURANCE SERVICES LLC3 | PO BOX 61187 VIRGINIA BEACH, VA 23466 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $19K | $19K | 7.22% |
| KACY LAVENDER4 | 307 SPRING CREEK MOODY, TX 76557 | PRE-PAID LEGAL SERVICES, INC. DBA LEGALSHIELD | $1K | $0 | $1K | 11.12% |
| USI INSURANCE SERVICES LLC4 Filed as: USI SOUTHWEST, INC. | 9811 KATY FREEWAY, SUITE 500 HOUSTON, TX 77024 | PRE-PAID LEGAL SERVICES, INC. DBA LEGALSHIELD | $628 | $0 | $628 | 5.06% |
| CL SCOTT CORPORATE INSURANCE SVCS4 Filed as: CL SCOTT CORPORATE INSURANCE | 3600 NORTH CAPITAL OF TEXAS HIGHWAY SUITE B100 AUSTIN, TX 78746 | PRE-PAID LEGAL SERVICES, INC. DBA LEGALSHIELD | $77 | $0 | $77 | 0.62% |
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 | 347 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 4 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 7 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 358 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | BLUECROSS BLUESHIELD OF TEXAS | 585 | $4.0M |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 665 | $281K |
| Vision | UNITED OF OMAHA LIFE INSURANCE COMPANY | 479 | $258K |
| Life insurance | DEARBORN LIFE INSURANCE COMPANY | 479 | $247K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 479 | $258K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 479 | $258K |
| Prescription drug | BLUECROSS BLUESHIELD OF TEXAS | 585 | $3.9M |
| Other(4 contracts, 4 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 479 | $544K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 665 | — |
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.
Broker comp is under 1% of premium on a >$1M plan. Plan may be flying solo or paying a flat fee — consultant sales target.