| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| USI INSURANCE SERVICES LLC3 Filed as: USI SOUTHWEST INC. | — | BLUE CROSS BLUE SHIELD OF TEXAS | $234K | $9K | $243K | 2.07% |
| USI INSURANCE SERVICES LLC3 Filed as: USI SOUTHWEST | 9811 KATY FREEWAY SUITE 500 HOUSTON, TX 77024 | PAN-AMERICAN LIFE INSURANCE COMPANY | $169K | — | $169K | 9.87% |
| PAN-AMERICAN LIFE5 | 601 POYDRAS ST NEW ORLEANS, LA 70130 | PAN-AMERICAN LIFE INSURANCE COMPANY | — | $37K | $37K | 2.18% |
| PAN-AMERICAN BENEFIT SOLUTIONS0 | 1778 NO PLANO RD #310 RICHARDSON, TX 75081 | PAN-AMERICAN LIFE INSURANCE COMPANY | — | $34K | $34K | 1.96% |
| RXEDO0 | P O BOX 678586 DALLAS, TX 75267 | PAN-AMERICAN LIFE INSURANCE COMPANY | — | $1K | $1K | 0.07% |
| USI INSURANCE SERVICES LLC3 Filed as: USI SOUTHWEST | 9811 KATY FREEWAY, SUITE 500 HOUSTON, TX 77024 | PAN-AMERICAN LIFE INSURANCE COMPANY | $97K | — | $97K | 9.70% |
| PAN-AMERICAN LIFE5 | 601 POYDRAS ST NEW ORLEANS, LA 70130 | PAN-AMERICAN LIFE INSURANCE COMPANY | — | $50K | $50K | 5.06% |
| PAN-AMERICAN BENEFIT SOLUTIONS0 | 1778 NO PLANO RD #310 RICHARDSON, TX 75081 | PAN-AMERICAN LIFE INSURANCE COMPANY | — | $45K | $45K | 4.55% |
| RXEDO0 | P O BOX 678586 DALLAS, TX 75267 | PAN-AMERICAN LIFE INSURANCE COMPANY | — | $594 | $594 | 0.06% |
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 | 1,175 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 6 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 9 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,190 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | GUARDIAN LIFE INSURANCE COMPANY | 1,783 | $167K |
| Life insurance | GUARDIAN LIFE INSURANCE COMPANY | 1,783 | $167K |
| Stop-loss / reinsurancereinsurance(3 contracts, 2 carriers) | BLUE CROSS BLUE SHIELD OF TEXAS | 2,336 | $14.5M |
| Other | GUARDIAN LIFE INSURANCE COMPANY | 1,783 | $167K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,336 | — |
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."
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.