| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| USI INSURANCE SERVICES LLC3 Filed as: USI SOUTHWEST | 9811 KATY FREEWAY SUITE 500 HOUSTON, TX 77024 | PAN-AMERICAN LIFE INSURANCE COMPANY | $110K | — | $110K | 9.86% |
| USI INSURANCE SERVICES LLC3 Filed as: USI SOUTHWEST | 9811 KATY FREEWAY SUITE 500 HOUSTON, TX 77024 | GREAT MIDWEST INSURANCE COMPANY | $91K | — | $91K | 10.00% |
| USI INSURANCE SERVICES LLC3 Filed as: USI SOUTHWEST | 9811 KATY FREEWAY, SUITE 500 HOUSTON, TX 77024 | PAN-AMERICAN LIFE INSURANCE COMPANY | $56K | — | $56K | 9.68% |
| USI INSURANCE SERVICES LLC3 Filed as: USI SOUTHWEST | 9811 KATY FREEWAY, SUITE 500 HOUSTON, TX 77024 | GUARDIAN LIFE INSURANCE COMPANY | $23K | $6K | $29K | 8.25% |
| USI INSURANCE SERVICES LLC3 Filed as: USI SOUTHWEST (75202) | 9811 KATY FREEWAY SUITE 500 HOUSTON, TX 77024 | PAN-AMERICAN LIFE INSURANCE COMPANY | $130 | — | $130 | 9.88% |
| USI INSURANCE SERVICES LLC3 Filed as: USI SOUTHWEST | 9811 KATY FREEWAY SUITE 500 HOUSTON, TX 77024 | PAN-AMERICAN LIFE INSURANCE COMPANY | $53 | — | $53 | 9.64% |
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 | 1,626 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 12 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 70 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,708 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | GUARDIAN LIFE INSURANCE COMPANY | 2,050 | $353K |
| Vision | GUARDIAN LIFE INSURANCE COMPANY | 2,050 | $353K |
| Life insurance(3 contracts, 2 carriers) | PAN-AMERICAN LIFE INSURANCE COMPANY | 2,050 | $2.0M |
| Stop-loss / reinsurancereinsurance(5 contracts, 2 carriers) | PAN-AMERICAN LIFE INSURANCE COMPANY | 1,135 | $2.6M |
| Other(5 contracts, 2 carriers) | PAN-AMERICAN LIFE INSURANCE COMPANY | 2,050 | $2.0M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,050 | — |
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.