| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| USI INSURANCE SERVICES LLC3 | 2711 NORTH HASKELL AVENUE SUITE 2000 DALLAS, TX 75204 | BLUECROSS BLUESHIELD OF TEXAS | $33K | $7K | $40K | 1.64% |
| USI INSURANCE SERVICES LLC3 | 9811 KATY FREEWAY, SUITE 500 HOUSTON, TX 77024 | DEARBORN LIFE INSURANCE COMPANY | $8K | $4K | $12K | 22.29% |
| TERESA HAWKINS3 Filed as: TERESA ANN HAWKINS | 2008 RIDGE CREST DRIVE GUNTERSVILLE, AL 35976 | AFLAC | $3K | $287 | $4K | 10.29% |
| JACOB YOUNCE AND AGENTS3 | 108 MEADOW CIRCLE DAPHNE, AL 36526 | AFLAC | $1K | $49 | $1K | 4.38% |
| SHANNON L MCBRIDE3 Filed as: SHANNON L. WYNN | 7533 MEMORIAL PARKWAY SW, SUITE A HUNTSVILLE, AL 35802 | AFLAC | $536 | $49 | $585 | 1.71% |
| GARY A SPANRAFT3 Filed as: GARY A. SPANRAFT | 218 VISTA RIDGE DRIVE DELAWARE, OH 43015 | AFLAC | $539 | $0 | $539 | 1.58% |
| SAIC INC3 Filed as: SAIC, INC. | 1639 BRADLEY PARK DRIVE, SUITE 500 COLUMBUS, GA 31904 | AFLAC | $324 | $0 | $324 | 0.95% |
| ERIN C TOMLINSON3 Filed as: ERIN C. TOMLINSON | 278 DRURY LANE ALBERTVILLE, AL 35950 | AFLAC | $318 | $0 | $318 | 0.93% |
| GAVIN SCOTT RIDER3 | 1450 COUNTY ROAD 322 HENAGAR, AL 35978 | AFLAC | $254 | $0 | $254 | 0.74% |
| USI INSURANCE SERVICES LLC3 | PO BOX 61187 VIRGINIA BEACH, VA 23466 | HARTFORD LIFE AND ACCIDENT | $92 | $24 | $116 | 18.83% |
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 | 0 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 0 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | BLUECROSS BLUESHIELD OF TEXAS | 388 | $3.2M |
| Dental | BLUE CROSS AND BLUE SHIELD OF ALABAMA | 157 | $778K |
| Vision | DEARBORN LIFE INSURANCE COMPANY | 310 | $53K |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 586 | $206K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 586 | $206K |
| Prescription drug(2 contracts, 2 carriers) | BLUECROSS BLUESHIELD OF TEXAS | 388 | $3.2M |
| Other(4 contracts, 4 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 586 | $294K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 586 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Final-filing indicator set. Plan is winding down; don't waste sales effort here.