| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| USI INSURANCE SERVICES LLC3 Filed as: USI SOUTHWEST, INC. | 2505 EAST MISSOURI AVENUE EL PASO, TX 79903 | AETNA LIFE INSURANCE CO. | $3K | $2K | $5K | 1.26% |
| USI INSURANCE SERVICES LLC3 Filed as: USI SOUTHWEST | — | AMERITAS LIFE INSURANCE CORP | $7K | — | $7K | 10.00% |
| USI INSURANCE SERVICES LLC3 Filed as: USI SOUTHWEST INC | 303 NORTH OREGON STREET #310 EL PASO, TX 79901 | FIDELITY SECURITY LIFE | $5K | — | $5K | 15.00% |
| BETHANY LOVING3 | 14241 DALLAS PARKWAY SUITE 700 DALLAS, TX 75254 | RENAISSANCE LIFE & HEALTH INSURANCE COMPANY OF AMERICA | $5K | — | $5K | 20.00% |
| USI INSURANCE SERVICES LLC3 Filed as: USI SOUTHWEST, INC. | PO BOX 61187 VIRGINIA BEACH, VA 23466 | HARTFORD LIFE AND ACCIDENT | $4K | — | $4K | 19.47% |
| USI INSURANCE SERVICES LLC3 | PO BOX 61187 VIRGINIA BEACH, VA 23466 | VISION SERVICE PLAN | $920 | — | $920 | 5.77% |
| ROGERS BENEFIT GROUP INC3 Filed as: ROGERS BENEFIT GROUP | 5110 NORTH 40TH STREET SUITE 234 PHOENIX, AZ 85018 | VISION SERVICE PLAN | $738 | — | $738 | 4.63% |
| USI INSURANCE SERVICES LLC3 Filed as: USI SOUTHWEST INC | 303 NORTH OREGON STREET #310 EL PASO, TX 79901 | ACE AMERICAN INS CO | $1K | — | $1K | 15.00% |
| USI INSURANCE SERVICES LLC3 Filed as: USI SOUTHWEST, INC | 840 GESSNER SUITE 600 HOUSTON, TX 77024 | TRANSAMERICA LIFE INSURANCE COMPANY | $401 | — | $401 | 10.01% |
| OS BENEFITS INC3 | 900 AUSTIN AVENUE SUITE 801 WACO, TX 76701 | TRANSAMERICA LIFE INSURANCE COMPANY | $472 | — | $472 | 15.00% |
| OS BENEFITS INC3 | 900 AUSTIN AVENUE SUITE 801 WACO, TX 76701 | TRANSAMERICA LIFE INSURANCE COMPANY | $279 | — | $279 | 12.27% |
| USI INSURANCE SERVICES LLC3 Filed as: USI SOUTHWEST INC. | 9811 KATY FREEWAY SUITE 500 HOUSTON, TX 77024 | AETNA LIFE INSURANCE CO. | $515 | — | $515 | 25.20% |
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 | 400 | 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) | 400 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts) | AETNA LIFE INSURANCE CO. | 293 | $2.6M |
| Dental(2 contracts, 2 carriers) | AETNA LIFE INSURANCE CO. | 198 | $500K |
| Vision(2 contracts, 2 carriers) | AETNA LIFE INSURANCE CO. | 167 | $441K |
| Life insurance(4 contracts, 3 carriers) | RENAISSANCE LIFE & HEALTH INSURANCE COMPANY OF AMERICA | 132 | $52K |
| Short-term disability(2 contracts, 2 carriers) | HARTFORD LIFE AND ACCIDENT | 60 | $28K |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 60 | $22K |
| Other(7 contracts, 5 carriers) | FIDELITY SECURITY LIFE | 132 | $95K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 293 | — |
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."
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.