| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES SOUTHWEST | 2711 NORTH HASKELL AVENUE SUITE 2000 DALLAS, TX 75204 | BLUECROSS BLUESHIELD OF TEXAS | $47K | $0 | $47K | 1.40% |
| IMPLICO COMMUNICATIONS, INC.5 | 5930 ROYAL LANE, SUITE E DALLAS, TX 75230 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $4K | $4K | 1.18% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES SOUTHWEST | 9811 KATY FREEWAY, SUITE 500 HOUSTON, TX 77024 | DEARBORN LIFE INSURANCE COMPANY | $15K | $0 | $15K | 15.30% |
| TERESA HAWKINS3 Filed as: TERESA ANN HAWKINS | 2008 RIDGE CREST DRIVE GUNTERSVILLE, AL 35976 | AFLAC | $3K | $172 | $3K | 7.19% |
| DERRICK L. WILSON AND OTHER AGENTS3 | 1223 SAGEWOOD PLACE SW JACKSONVILLE, AL 36265 | AFLAC | $2K | $30 | $2K | 4.70% |
| GARY A SPANRAFT3 Filed as: GARY A. SPANRAFT | 218 VISTA RIDGE DRIVE DELAWARE, OH 43015 | AFLAC | $634 | $0 | $634 | 1.62% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES SOUTHWEST | 1300 SUMMIT AVENUE, SUITE 200 FORT WORTH, TX 76102 | AFLAC | $491 | $0 | $491 | 1.25% |
| SAIC INC3 Filed as: SAIC, INC. | 1639 BRADLEY PARK DRIVE, SUITE 500 COLUMBUS, GA 31904 | AFLAC | $373 | $0 | $373 | 0.95% |
| ERIN C TOMLINSON3 Filed as: ERIN C. TOMLINSON | 278 DRURY LANE ALBERTVILLE, AL 35950 | AFLAC | $372 | $0 | $372 | 0.95% |
| MICHAEL FOWLER3 | 335 EAST MAIN STREET, SUITE B1 TUPELO, MS 38804 | AFLAC | $337 | $30 | $367 | 0.94% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES SOUTHWEST | 1445 ROSS AVENUE, SUITE 4200 DALLAS, TX 75231 | HARTFORD LIFE AND ACCIDENT | $216 | $0 | $216 | 13.82% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH AND MCLENNAN AGENCY | 8144 WALNUT HILL LANE, 15TH FLOOR DALLAS, TX 75231 | HARTFORD LIFE AND ACCIDENT | $18 | $0 | $18 | 1.15% |
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 | 608 | 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) | 608 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | BLUECROSS BLUESHIELD OF TEXAS | 368 | $4.4M |
| Vision | DEARBORN LIFE INSURANCE COMPANY | 314 | $98K |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 608 | $309K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 608 | $309K |
| Prescription drug(2 contracts, 2 carriers) | BLUECROSS BLUESHIELD OF TEXAS | 368 | $4.4M |
| Other(4 contracts, 4 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 608 | $448K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 608 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.