| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| USI INSURANCE SERVICES LLC3 Filed as: USI SOUTHWEST, INC. | 7600-C NORTH CAPITAL OF TEXAS HWY SUITE 200 HOUSTON, TX 78731 | BLUECROSS BLUESHIELD OF TEXAS | $44K | $0 | $44K | 4.42% |
| USI INSURANCE SERVICES LLC3 | PO BOX 61187 VIRGINIA BEACH, VA 23466 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $11K | $6K | $17K | 22.75% |
| MARIA J. ACCURSO3 | 3800 COUNTY ROAD 258 LIBERTY HILL, TX 78642 | AFLAC | $2K | $0 | $2K | 6.71% |
| JAIME I VILLASANA3 Filed as: JAIME I. VILLASANA | 101 SHELF ROCK ROAD GEORGETOWN, TX 78628 | AFLAC | $1K | $0 | $1K | 5.60% |
| CARTER MAY3 Filed as: CARTER A. MAY | PO BOX 341015 AUSTIN, TX 78734 | AFLAC | $279 | $0 | $279 | 1.24% |
| MJ INSURANCE3 Filed as: MITZE L. RUIZ AND VARIOUS AGENTS | 19212 ROOKERY TRAIL PFLUGERVILLE, TX 78660 | AFLAC | $275 | $0 | $275 | 1.22% |
| ERIC NOTHNAGEL3 | 1821 WESTINGHOUSE ROAD, SUITE 1190 GEORGETOWN, TX 78626 | AFLAC | $243 | $0 | $243 | 1.08% |
| LAXSON BENEFITS LLC3 Filed as: LAXSON BENEFITS, LLC | 2028 EAST BEN WHITE BOULEVARD SUITE 235 AUSTIN, TX 78741 | AFLAC | $233 | $0 | $233 | 1.04% |
| SHELLY WIEGAND3 | 2607 ARMATRADING DRIVE CEDAR PARK, TX 78613 | AFLAC | $172 | $0 | $172 | 0.77% |
| USI INSURANCE SERVICES LLC3 Filed as: USI SOUTHWEST, INC. | 9811 KATY FREEWAY, SUITE 500 HOUSTON, TX 77024 | DEARBORN LIFE INSURANCE COMPANY | $1K | $152 | $1K | 9.74% |
| JAIME I VILLASANA3 Filed as: JAIME I. VILLASANA | 101 SHELF ROCK ROAD GEORGETOWN, TX 78628 | AFLAC | $307 | $0 | $307 | 5.16% |
| ERIC NOTHNAGEL3 | 1821 WESTINGHOUSE ROAD, SUITE 1190 GEORGETOWN, TX 78626 | AFLAC | $105 | $0 | $105 | 1.77% |
| SHELLY WIEGAND3 | 2607 ARMATRADING DRIVE CEDAR PARK, TX 78613 | AFLAC | $81 | $0 | $81 | 1.36% |
| CARTER MAY3 Filed as: CARTER A. MAY | PO BOX 341015 AUSTIN, TX 78734 | AFLAC | $71 | $0 | $71 | 1.19% |
| NIGEL M HIGGS3 Filed as: NIGEL M. HIGGS | 550 CONTY ROAD 431 TAYLOR, TX 76574 | AFLAC | $47 | $0 | $47 | 0.79% |
| MJ INSURANCE3 Filed as: ROBERT SEIBERT AND VARIOUS AGENTS | 86 COUNTY ROAD 303 SHINER, TX 77984 | AFLAC | $20 | $0 | $20 | 0.34% |
| THOMAS H. BALL3 | 600 WEST 5TH STREET, SUITE 200 AUSTIN, TX 78701 | AFLAC | $12 | $0 | $12 | 0.20% |
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 | 164 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 4 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 170 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUECROSS BLUESHIELD OF TEXAS | 163 | $1.0M |
| Dental | BLUECROSS BLUESHIELD OF TEXAS | 163 | $1.0M |
| Vision | DEARBORN LIFE INSURANCE COMPANY | 79 | $12K |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 151 | $73K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 151 | $73K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 151 | $73K |
| Prescription drug | BLUECROSS BLUESHIELD OF TEXAS | 163 | $1.0M |
| Other(3 contracts, 2 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 151 | $101K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 163 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.