| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| USI INSURANCE SERVICES LLC3 Filed as: USI SOUTHWEST, INC. | PO BOX 61187 VIRGINIA BEACH, VA 23466 | BLUECROSS BLUESHIELD OF TEXAS | $42K | $3K | $45K | 3.42% |
| FROST INSURANCE AGENCY INC3 Filed as: FROST INSURANCE AGENCY, INC. | 2950 NORTH HARWOOD STREET SUITE 1200 DALLAS, TX 75201 | BLUECROSS BLUESHIELD OF TEXAS | $21K | $0 | $21K | 1.57% |
| NM AUSTIN TEXAS AGENCY3 Filed as: AUSTIN COUNTRY CLUB | 4408 LONG CHAMP DRIVE AUSTIN, TX 78746 | BLUECROSS BLUESHIELD OF TEXAS | $0 | $7 | $7 | 0.00% |
| USI INSURANCE SERVICES LLC3 Filed as: USI SOUTHWEST, INC. | PO BOX 61187 VIRGINIA BEACH, VA 23466 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $10K | $7K | $17K | 16.92% |
| FROST INSURANCE AGENCY INC3 Filed as: FROST INSURANCE AGENCY, INC. | 2950 NORTH HARWOOD STREET SUITE 1200 DALLAS, TX 75201 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $5K | $0 | $5K | 4.79% |
| JAIME I VILLASANA3 Filed as: JAIME VILLASANA | 101 SHELF ROCK ROAD GEORGETOWN, TX 78628 | AFLAC | $1K | $29 | $1K | 4.18% |
| MARIA J. ACCURSO3 Filed as: MARIA ACCURSO | 3800 COUNTY ROAD 258 LIBERTY HILL, TX 78642 | AFLAC | $472 | $123 | $595 | 2.40% |
| MJ INSURANCE3 Filed as: STEPHANIE HOBBS AND VARIOUS AGENTS | 2500 DIOR DRIVE CEDAR PARK, TX 78613 | AFLAC | $361 | $29 | $390 | 1.57% |
| CARTER MAY3 | PO BOX 341015 AUSTIN, TX 78734 | AFLAC | $318 | $40 | $358 | 1.44% |
| ERIC NOTHNAGEL3 | 2900 BROWNTOP COURT LEANDER, TX 78641 | AFLAC | $271 | $0 | $271 | 1.09% |
| SHELLY WIEGAND3 | 2607 ARMATRADING DRIVE CEDAR PARK, TX 78613 | AFLAC | $157 | $0 | $157 | 0.63% |
| TERRY LAXSON3 | 1380 HAZY HILLS LOOP DRIPPING SPRINGS, TX 78620 | AFLAC | $144 | $9 | $153 | 0.62% |
| USI INSURANCE SERVICES LLC3 Filed as: USI SOUTHWEST INC | 9811 KATY FREEWAY, SUITE 500 HOUSTON, TX 77024 | DEARBORN LIFE INSURANCE COMPANY | $1K | $970 | $2K | 12.44% |
| FROST INSURANCE AGENCY INC3 Filed as: FROST INSURANCE AGENCY | PO BOX 225749 DALLAS, TX 75222 | DEARBORN LIFE INSURANCE COMPANY | $590 | $0 | $590 | 3.29% |
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 | 197 | 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) | 197 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUECROSS BLUESHIELD OF TEXAS | 205 | $1.3M |
| Dental | BLUECROSS BLUESHIELD OF TEXAS | 205 | $1.3M |
| Vision | DEARBORN LIFE INSURANCE COMPANY | 100 | $18K |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 190 | $99K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 190 | $99K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 190 | $99K |
| Prescription drug | BLUECROSS BLUESHIELD OF TEXAS | 205 | $1.3M |
| Other(2 contracts, 2 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 190 | $124K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 205 | — |
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.