| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES, LLC | 840 GESSNER, SUITE 600 HOUSTON, TX 77024 | METROPOLITAN LIFE INSURANCE COMPANY | $256K | $24 | $256K | 6.40% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICE, LLC | PO BOX 3716 NORFOLK, VA 23514 | METROPOLITAN LIFE INSURANCE COMPANY | — | $73K | $73K | 1.83% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES, LLC | 3850 NORTH CAUSEWAY BOULEVARD SUITE 1050 METAIRIE, LA 70002 | NATIONAL UNION FIRE INSURANCE COMPANY OF PITTSBURGH, PA | $110K | — | $110K | 25.00% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES, LLC | 3850 NORTH CAUSEWAY BOULEVARD SUITE 1050 METAIRIE, LA 70002 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $116K | $11K | $127K | 81.80% |
| WESTLAKE FINANCIAL GROUP INC3 Filed as: WESTLAKE FINANCIAL GROUP, INC. | 1477 BARCLAY BOULEVARD BUFFALO GROVE, IL 60089 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $799 | — | $799 | 0.52% |
| ANCO INS. SVC. OF BRYAN COLLEGE STA3 Filed as: ANCO INSURANCE SERVICES CORPORATION | 840 GESSNER, SUITE 840 HOUSTON, TX 77024 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $78K | — | $78K | 59.79% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES, LLC | 3850 NORTH CAUSEWAY BOULEVARD SUITE 1050 METAIRIE, LA 70002 | FIRST UNUM LIFE INSURANCE COMPANY | $569 | — | $569 | 86.47% |
| WESTLAKE FINANCIAL GROUP INC3 Filed as: WESTLAKE FINANCIAL GROUP, INC. | 1477 BARCLAY BOULEVARD BUFFALO GROVE, IL 60089 | FIRST UNUM LIFE INSURANCE COMPANY | $1 | — | $1 | 0.15% |
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 | 12,506 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 28 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 12,534 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 12,506 | $4.0M |
| Vision | STANDARD INSURANCE COMPANY | 2,496 | $318K |
| Life insurance(4 contracts, 4 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 12,506 | $4.3M |
| Other(4 contracts, 4 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 12,506 | $4.6M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 12,506 | — |
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."
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.