| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| USI INSURANCE SERVICES LLC3 Filed as: USI SOUTHWEST INC. | — | BLUE CROSS BLUE SHIELD OF TEXAS | $121K | — | $121K | 2.84% |
| USI INSURANCE SERVICES LLC3 Filed as: USI SOUTHWEST | THREE MEMORIAL CITY 840 GESSNER RD HOUSTON, TX 77024 | PAN-AMERICAN LIFE INSURANCE COMPANY | $134K | — | $134K | 9.88% |
| PAN-AMERICAN LIFE5 | 601 POYDRAS ST NEW ORLEANS, LA 70130 | PAN-AMERICAN LIFE INSURANCE COMPANY | — | $29K | $29K | 2.12% |
| PAN-AMERICAN BENEFIT SOLUTIONS0 | 1778 NO PLANO RD #310 RICHARDSON, TX 75081 | PAN-AMERICAN LIFE INSURANCE COMPANY | — | $26K | $26K | 1.91% |
| RXEDO0 | P O BOX 678586 DALLAS, TX 75267 | PAN-AMERICAN LIFE INSURANCE COMPANY | — | $886 | $886 | 0.07% |
| USI INSURANCE SERVICES LLC3 Filed as: USI SOUTHWEST | THREE MEMORIAL CITY 840 GESSNER RD, STE 600 HOUSTON, TX 77024 | PAN-AMERICAN LIFE INSURANCE COMPANY | $84K | — | $84K | 9.69% |
| PAN-AMERICAN LIFE5 | 601 POYDRAS ST NEW ORLEANS, LA 70130 | PAN-AMERICAN LIFE INSURANCE COMPANY | — | $46K | $46K | 5.24% |
| PAN-AMERICAN BENEFIT SOLUTIONS0 | 1778 NO PLANO RD #310 RICHARDSON, TX 75081 | PAN-AMERICAN LIFE INSURANCE COMPANY | — | $41K | $41K | 4.72% |
| RXEDO0 | P O BOX 678586 DALLAS, TX 75267 | PAN-AMERICAN LIFE INSURANCE COMPANY | — | $246 | $246 | 0.03% |
| USI INSURANCE SERVICES LLC3 Filed as: USI SOUTHWEST INC | — | GUARDIAN LIFE INSURANCE COMPANY | $1K | — | $1K | 0.22% |
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 | 2,602 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 20 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 2,622 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts) | PAN-AMERICAN LIFE INSURANCE COMPANY | 576 | $2.2M |
| Dental | GUARDIAN LIFE INSURANCE COMPANY | 1,020 | $538K |
| Life insurance | GUARDIAN LIFE INSURANCE COMPANY | 1,020 | $538K |
| Stop-loss / reinsurancereinsurance(3 contracts, 2 carriers) | BLUE CROSS BLUE SHIELD OF TEXAS | 1,232 | $6.5M |
| Other | GUARDIAN LIFE INSURANCE COMPANY | 1,020 | $538K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,232 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.