| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| USI INSURANCE SERVICES LLC3 Filed as: USI SOUTHWEST INC. | — | BLUE CROSS BLUE SHIELD OF TEXAS | $162K | $15K | $176K | 2.36% |
| USI INSURANCE SERVICES LLC3 Filed as: USI SOUTHWEST | 9811 KATY FREEWAY SUITE 500 HOUSTON, TX 77024 | PAN-AMERICAN LIFE INSURANCE COMPANY | $131K | — | $131K | 9.87% |
| PAN-AMERICAN LIFE5 | 601 POYDRAS ST NEW ORLEANS, LA 70130 | PAN-AMERICAN LIFE INSURANCE COMPANY | — | $29K | $29K | 2.18% |
| PAN-AMERICAN BENEFIT SOLUTIONS0 | 1778 NO PLANO RD #310 RICHARDSON, TX 75081 | PAN-AMERICAN LIFE INSURANCE COMPANY | — | $26K | $26K | 1.96% |
| RXEDO0 | P O BOX 678586 DALLAS, TX 75267 | PAN-AMERICAN LIFE INSURANCE COMPANY | — | $1K | $1K | 0.08% |
| USI INSURANCE SERVICES LLC3 Filed as: USI SOUTHWEST | P O BOX 61187 VIRGINIA BEACH, VA 23466 | PAN-AMERICAN LIFE INSURANCE COMPANY | $71K | — | $71K | 9.69% |
| PAN-AMERICAN LIFE5 | 601 POYDRAS ST NEW ORLEANS, LA 70130 | PAN-AMERICAN LIFE INSURANCE COMPANY | — | $39K | $39K | 5.24% |
| PAN-AMERICAN BENEFIT SOLUTIONS0 | 1778 NO PLANO RD #310 RICHARDSON, TX 75081 | PAN-AMERICAN LIFE INSURANCE COMPANY | — | $35K | $35K | 4.72% |
| RXEDO0 | P O BOX 678586 DALLAS, TX 75267 | PAN-AMERICAN LIFE INSURANCE COMPANY | — | $358 | $358 | 0.05% |
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 | 2,319 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 8 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 2,327 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | GUARDIAN LIFE INSURANCE COMPANY | 1,631 | $593K |
| Life insurance | GUARDIAN LIFE INSURANCE COMPANY | 1,631 | $593K |
| Stop-loss / reinsurancereinsurance(3 contracts, 2 carriers) | BLUE CROSS BLUE SHIELD OF TEXAS | 1,930 | $9.5M |
| Other | GUARDIAN LIFE INSURANCE COMPANY | 1,631 | $593K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,930 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.