| 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 | UNITED HEALTH INSURANCE COMPANY | $58K | — | $58K | 2.22% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF LOUISIANA LLC | P O BOX 81248 LAFAYETTE, LA 70598 | UNITED HEALTH INSURANCE COMPANY | $24K | — | $24K | 0.92% |
| USI INSURANCE SERVICES LLC3 | P O BOX 218060 HOUSTON, TX 77218 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $10K | — | $10K | 10.13% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF LA INC | P O BOX 81248 LAFAYETTE, LA 70598 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $5K | — | $5K | 4.87% |
| USI INSURANCE SERVICES LLC3 | P O BOX 218060 HOUSTON, TX 77218 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $6K | — | $6K | 10.25% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF LA INC | P O BOX 81248 LAFAYETTE, LA 70598 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $3K | — | $3K | 4.75% |
| USI INSURANCE SERVICES LLC3 | P O BOX 218060 HOUSTON, TX 77218 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $5K | — | $5K | 10.06% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF LA INC | P O BOX 81248 LAFAYETTE, LA 70598 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $3K | — | $3K | 4.94% |
| USI INSURANCE SERVICES LLC3 | P O BOX 218060 HOUSTON, TX 77218 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $3K | — | $3K | 10.19% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF LA INC | P O BOX 81248 LAFAYETTE, LA 70598 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $1K | — | $1K | 4.81% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF LA INC | 4615 PARLIAMENT DR SUITE 200 ALEXANDRIA, LA 71303 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $7K | — | $7K | 23.14% |
| USI INSURANCE SERVICES LLC3 Filed as: USI SOUTHWEST INC | 200 SUMMIT LAKE DR SUITE 350 VALHALLA, NY 10595 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $6K | $449 | $6K | 21.11% |
| USI INSURANCE SERVICES LLC3 Filed as: USI SOUTHWEST INC | 9811 KATY FREEWAY SUITE 500 HOUSTON, TX 77024 | NATIONAL GUARDIAN LIFE INSURANCE COMPANY | $2K | — | $2K | 9.84% |
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 | 334 | 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. |
| Beneficiaries receiving benefits | 0 | Spouses or dependents with eligibility independent of the participant. |
| Total participants (= "Plan participants" tile) | 334 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITED HEALTH INSURANCE COMPANY | 334 | $2.6M |
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 302 | $28K |
| Vision | NATIONAL GUARDIAN LIFE INSURANCE COMPANY | 547 | $23K |
| Life insurance(2 contracts) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 642 | $155K |
| Short-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 120 | $63K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 144 | $100K |
| Other | LIFE INSURANCE COMPANY OF NORTH AMERICA | 588 | $31K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 642 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.