| 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 | — | $81K | $81K | 2.61% |
| THE NITSCHE GROUP INC3 Filed as: THE NITSCHE GROUP, INC | 143 EAST AUSTIN STREET GIDDINGS, TX 78942 | UNITEDHEALTHCARE INSURANCE COMPANY | — | $54K | $54K | 1.73% |
| USI INSURANCE SERVICES LLC3 Filed as: USI SOUTHWEST, INC. | 2505 EAST MISSOURI AVENUE EL PASO, TX 79903 | AETNA LIFE INSURANCE CO. | $3K | — | $3K | 1.01% |
| THE NITSCHE GROUP INC3 Filed as: THE NITSCHE GROUP, INC. | 143 EAST AUSTIN GIDDINGS, TX 78942 | AETNA LIFE INSURANCE CO. | $1K | — | $1K | 0.37% |
| OS BENEFITS INC3 | 900 AUSTIN AVENUE SUITE 600 WACO, TX 76701 | AMERICAN PUBLIC LIFE INSURANCE COMPANY | $49K | — | $49K | 29.24% |
| USI INSURANCE SERVICES LLC3 Filed as: USI SOUTHWEST, INC | 9811 KATY FREEWAY SUITE 500 HOUSTON, TX 77024 | AMERITAS LIFE INSURANCE CORP | $3K | $2K | $4K | 15.98% |
| USI INSURANCE SERVICES LLC3 Filed as: USI SOUTHWEST, INC. | 303 NORTH OREGON SUITE 310 EL PASO, TX 79901 | HARTFORD LIFE AND ACCIDENT | $443 | $249 | $692 | 23.81% |
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)(2 contracts, 2 carriers) | UNITEDHEALTHCARE INSURANCE COMPANY | 255 | $3.4M |
| Dental(2 contracts, 2 carriers) | AETNA LIFE INSURANCE CO. | 429 | $299K |
| Vision | AETNA LIFE INSURANCE CO. | 63 | $272K |
| Life insurance(2 contracts, 2 carriers) | AMERICAN PUBLIC LIFE INSURANCE COMPANY | 156 | $170K |
| Short-term disability | AMERICAN PUBLIC LIFE INSURANCE COMPANY | 156 | $168K |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 31 | $3K |
| Other(2 contracts, 2 carriers) | AMERICAN PUBLIC LIFE INSURANCE COMPANY | 156 | $170K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 429 | — |
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.