| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| USI INSURANCE SERVICES LLC3 Filed as: USI SOUTHWEST, INC. | 9811 KATY FWY. SUITE 500 HOUSTON, TX 77024 | AETNA LIFE INSURANCE CO. | $349K | — | $349K | 10.68% |
| AON CONSULTING INC3 Filed as: AON CORPORATION | 29840 NETWORK PLACE CHICAGO, IL 606731298 | AETNA LIFE INSURANCE CO. | $203K | — | $203K | 6.22% |
| USI INSURANCE SERVICES LLC3 Filed as: USI SOUTHWEST, INC. | 9811 KATY FWY. SUITE 500 HOUSTON, TX 77024 | AETNA LIFE INSURANCE CO. | — | $147 | $147 | 0.02% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS LLC | 1166 AVENUE OF THE AMERICAS NEW YORK, NY 10036 | AETNA LIFE INSURANCE CO. | — | $140 | $140 | 0.02% |
| AON CONSULTING INC3 Filed as: BSWIFT, INC. | 10 S RIVERSIDE PLAZA SUITE 1100 CHICAGO, IL 60606 | ARAG INSURANCE COMPANY | — | $46K | $46K | 8.49% |
| USI INSURANCE SERVICES LLC3 Filed as: USI SOUTHWEST, INC. | PO BOX 61187 VIRGINIA BEACH, VA 23466 | ARAG INSURANCE COMPANY | $38K | — | $38K | 6.91% |
| AON CONSULTING INC3 Filed as: AON CONSULTING, INC. | 29840 NETWORK PL CHICAGO, IL 60673 | ARAG INSURANCE COMPANY | $17K | — | $17K | 3.09% |
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 | 23,447 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 339 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 23,786 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | VISION SERVICE PLAN | 11,468 | $3.0M |
| Life insurance | AETNA LIFE INSURANCE CO. | 24,877 | $3.1M |
| Short-term disability | AETNA LIFE INSURANCE CO. | 6,836 | $2.0M |
| Long-term disability | AETNA LIFE INSURANCE CO. | 23,753 | $2.5M |
| Other(3 contracts, 2 carriers) | AETNA LIFE INSURANCE CO. | 24,731 | $4.5M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 24,877 | — |
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.
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.