| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| USI INSURANCE SERVICES LLC3 Filed as: USI SOUTHWEST INC. | 2711 NORTH HASKELL AVENUE SUITE 2000 DALLAS, TX 75204 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $109K | — | $109K | 4.41% |
| DWIGHT W ANDRUS INS AGCY INC3 Filed as: DWIGHT W ANDRUS INSURANCE AGENCY | 500 DOVER BOULEVARD LAFAYETTE, LA 70503 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $205 | — | $205 | 0.01% |
| USI INSURANCE SERVICES LLC3 Filed as: USI SOUTHWEST INC | 840 GESSNER ROAD SUITE 600 HOUSTON, TX 77024 | SYMETRA LIFE INSURANCE COMPANY | $65K | $5K | $70K | 11.30% |
| USI INSURANCE SERVICES LLC3 Filed as: USI SOUTHWEST INC | 9811 KATY FREEWAY SUITE 500 HOUSTON, TX 77024 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $14K | — | $14K | 10.00% |
| GAMBEL, CHRISTIAN J3 | P.O. BOX 51105 LAFAYETTE, LA 70505 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $605 | — | $605 | 9.99% |
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 | 878 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 9 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 9 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 896 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 2,253 | $2.5M |
| Vision | RELIANCE STANDARD LIFE INSURANCE COMPANY | 1,447 | $138K |
| Life insurance | SYMETRA LIFE INSURANCE COMPANY | 995 | $619K |
| Short-term disability | SYMETRA LIFE INSURANCE COMPANY | 995 | $619K |
| Long-term disability | SYMETRA LIFE INSURANCE COMPANY | 995 | $619K |
| Stop-loss / reinsurancereinsurance | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 2,253 | $2.5M |
| Other(2 contracts, 2 carriers) | SYMETRA LIFE INSURANCE COMPANY | 995 | $625K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,253 | — |
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.