| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| USI INSURANCE SERVICES LLC3 Filed as: USI SOUTHWEST, INC | 9811 KATY FREEWAY SUITE 500 HOUSTON, TX 77024 | UNITEDHEALTHCARE INSURANCE COMPANY | — | $126K | $126K | 5.23% |
| USI INSURANCE SERVICES LLC3 Filed as: USI SOUTHWEST INC. | 2505 EAST MISSOURI AVENUE EL PASO, TX 79903 | AETNA LIFE INSURANCE CO. | $3K | — | $3K | 0.57% |
| USI INSURANCE SERVICES LLC3 Filed as: USI SOUTHWEST, INC | 9811 KATY FREEWAY SUITE 500 HOUSTON, TX 77024 | UNITEDHEALTHCARE INSURANCE COMPANY | — | $10K | $10K | 5.35% |
| USI INSURANCE SERVICES LLC3 Filed as: USI SOUTHWEST INC | 900 AUSTIN AVENUE SUITE 801 WACO, TX 76701 | AMERICAN PUBLIC LIFE INSURANCE COMPANY | $41K | — | $41K | 32.93% |
| USI INSURANCE SERVICES LLC3 | PO BOX 61187 VIRGINIA BEACH, VA 23466 | VISION SERVICE PLAN | $1K | — | $1K | 5.55% |
| ROGERS BENEFIT GROUP INC3 Filed as: ROGERS BENEFIT GROUP | 5110 NORTH 40TH STREET SUITE 234 PHOENIX, AZ 85018 | VISION SERVICE PLAN | $994 | — | $994 | 5.00% |
| USI INSURANCE SERVICES LLC3 Filed as: USI SOUTHWEST, INC. | PO BOX 61187 VIRGINIA BEACH, VA 23466 | HARTFORD LIFE AND ACCIDENT | $3K | — | $3K | 20.82% |
| USI INSURANCE SERVICES LLC3 Filed as: USI SOUTHWEST, INC | 9811 KATY FREEWAY SUITE 500 HOUSTON, TX 77024 | AMERITAS LIFE INSURANCE CORP | $2K | — | $2K | 10.00% |
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, 2 carriers) | UNITEDHEALTHCARE INSURANCE COMPANY | 230 | $3.1M |
| Dental(2 contracts, 2 carriers) | AETNA LIFE INSURANCE CO. | 468 | $468K |
| Vision(2 contracts, 2 carriers) | AETNA LIFE INSURANCE CO. | 200 | $473K |
| Life insurance | HARTFORD LIFE AND ACCIDENT | 36 | $17K |
| Short-term disability(2 contracts, 2 carriers) | AMERICAN PUBLIC LIFE INSURANCE COMPANY | 133 | $141K |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 36 | $17K |
| Other(2 contracts, 2 carriers) | AMERICAN PUBLIC LIFE INSURANCE COMPANY | 133 | $141K |
| 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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.