| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| USI INSURANCE SERVICES LLC3 Filed as: USI SOUTHWEST INC. | 840 GESSNER RD SUITE 600 HOUSTON, TX 77024 | BLUECROSS BLUESHIELD OF TEXAS | $65K | $7K | $72K | 1.59% |
| BB&H BENEFIT DESIGNS3 | 109 EAST VICTORIA STREET SANTA BARBARA, CA 93101 | BLUECROSS BLUESHIELD OF TEXAS | $58K | — | $58K | 1.26% |
| USI INSURANCE SERVICES LLC3 Filed as: USI SOUTHWEST | 840 GESSNER ROAD, SUITE 600 HOUSTON, TX 77024 | KAISER FOUNDATION HEALTH PLANS INC | $15K | — | $15K | 1.44% |
| BB&H BENEFIT DESIGNS3 | 109 EAST VICTORIA STREET SANTA BARBARA, CA 93101 | KAISER FOUNDATION HEALTH PLANS INC | $14K | — | $14K | 1.28% |
| USI INSURANCE SERVICES LLC3 Filed as: USI SOUTHWEST INC. | 9811 KATY FREEWAY SUITE 500 HOUSTON, TX 77024 | GUARDIAN | $19K | $14K | $33K | 6.13% |
| BB&H BENEFIT DESIGNS3 | 109 EAST VICTORIA STREET SANTA BARBARA, CA 93101 | GUARDIAN | $17K | — | $17K | 3.07% |
| USI INSURANCE SERVICES LLC3 Filed as: USI SOUTHWEST INC. | P.O. BOX 61187 VIRGINIA BEACH, VA 23466 | THE STANDARD | $15K | — | $15K | 9.36% |
| BB&H BENEFIT DESIGNS3 | 109 EAST VICTORIA STREET SANTA BARBARA, CA 93101 | THE STANDARD | $7K | — | $7K | 4.33% |
| USI INSURANCE SERVICES LLC3 Filed as: USI SOUTHWEST INC. | 7600-C CAPITAL OF TX HWY #200 AUTIN, TX 78731 | THE STANDARD | — | $7K | $7K | 4.32% |
| BB&H BENEFIT DESIGNS3 | 109 EAST VICTORIA STREET SANTA BARBARA, CA 93101 | SHELTERPOINT LIFE | $265 | — | $265 | 14.65% |
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 | 945 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 10 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 23 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 978 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | BLUECROSS BLUESHIELD OF TEXAS | 529 | $5.6M |
| Dental | GUARDIAN | 392 | $538K |
| Vision | GUARDIAN | 392 | $538K |
| Life insurance(2 contracts, 2 carriers) | GUARDIAN | 945 | $697K |
| Short-term disability(3 contracts, 3 carriers) | GUARDIAN | 945 | $698K |
| Long-term disability(2 contracts, 2 carriers) | GUARDIAN | 945 | $697K |
| Prescription drug(2 contracts, 2 carriers) | BLUECROSS BLUESHIELD OF TEXAS | 529 | $5.6M |
| Other | GUARDIAN | 392 | $538K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 945 | — |
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."
No prospect flags tripped on this filing.