| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| USI INSURANCE SERVICES LLC3 | 4630 NORTH LOOP 1604W SAN ANTONIO, TX 78249 | BLUECROSS BLUESHIELD OF TEXAS | $112K | $18K | $129K | 5.12% |
| USI INSURANCE SERVICES LLC3 | PO BOX 218060 HOUSTON, TX 77218 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $24K | $5K | $30K | 16.25% |
| KELLY MELISSA RUSHING3 | 725 RIVER BLUFF DRIVE LYTLE, TX 78052 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $17K | $7K | $24K | 13.00% |
| TIMOTHY J REED3 Filed as: TIMOTHY COBB | 11086 NW COUNTY ROAD 1370 BARRY, TX 75102 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $5K | $12K | $17K | 9.40% |
| ARGO EXPRESS LLC3 Filed as: ARGO EXPRESS, LLC | 25920 MARIGOLD OAKS BOERNE, TX 78006 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $9K | $3K | $12K | 6.75% |
| MANUEL FUENTES3 | 63 MARIPOSA PARKWAY WEST BOERNE, TX 78006 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $6K | $2K | $7K | 4.06% |
| SHARON JANICE RAMIREZ3 Filed as: SHARON JANICE RAMIREZ & AGENTS | 231 MAPLEWOOD LANE SAN ANTONIO, TX 78216 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $980 | $99 | $1K | 0.59% |
| TROY J PALMER3 Filed as: TROY J. PALMER | 15534 CLOVER RIDGE SAN ANTONIO, TX 78248 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $532 | $71 | $603 | 0.33% |
| USI INSURANCE SERVICES LLC3 | 9811 KATY FREEWAY, SUITE 500 HOUSTON, TX 77024 | DEARBORN LIFE INSURANCE COMPANY | $15K | $6K | $22K | 18.93% |
| USI INSURANCE SERVICES LLC3 | PO BOX 61187 VIRGINIA BEACH, VA 23466 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $24K | $8K | $32K | 131.40% |
| CENTRO BENEFITS RESEARCH LLC3 Filed as: CENTRO BENEFITS RESEARCH, LLC | 325 NORTH KIRKWOOD ROAD, SUITE 300 KIRKWOOD, MO 63122 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $0 | -$3K | -$3K | -11.73% |
| LEWIS WATKINS FARMER AGENCY INC3 Filed as: LEWIS WATKINS AND FARMER | PO BOX 9369 AUSTIN, TX 78766 | UNUM LIFE INSURANCE COMPANY OF AMERICA | -$19K | -$2K | -$20K | -82.99% |
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 | 361 | 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) | 361 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUECROSS BLUESHIELD OF TEXAS | 468 | $2.5M |
| Dental | BLUECROSS BLUESHIELD OF TEXAS | 468 | $2.5M |
| Vision | DEARBORN LIFE INSURANCE COMPANY | 361 | $115K |
| Life insurance(2 contracts, 2 carriers) | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | 361 | $298K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 89 | $24K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 89 | $24K |
| Prescription drug | BLUECROSS BLUESHIELD OF TEXAS | 468 | $2.5M |
| Other(2 contracts, 2 carriers) | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | 361 | $298K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 468 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.