| 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 | METROPOLITAN LIFE INSURANCE COMPANY | $33K | $2K | $35K | 2.94% |
| MERCER HEALTH AND BENEFITS, LLC3 | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | HARTFORD LIFE AND ACCIDENT | $674 | $0 | $674 | 0.20% |
| REUBEN WARNER ASSOCIATES, INC.3 | 1655 RICHMOND AVENUE STATEN ISLAND, NY 10314 | FEDERAL INSURANCE COMPANY | $22K | $0 | $22K | 15.00% |
| USI INSURANCE SERVICES LLC3 Filed as: USI SOUTHWEST, INC. | 9811 KATY FREEWAY, SUITE 500 HOUSTON, TX 77024 | FEDERAL INSURANCE COMPANY | $22K | $0 | $22K | 15.00% |
| LOCKTON COMPANIES, LLC3 | 3657 BRIAR PARK DRIVE, SUITE 700 HOUSTON, TX 77042 | NATIONAL UNION FIRE INSURANCE COMPANY OF PITTSBURGH, PA | $6K | $0 | $6K | 20.00% |
| LOCKTON COMPANIES, LLC3 | 5874 SAN FELIPE, SUITE 320 HOUSTON, TX 77057 | STATE OF PENN | $5K | $0 | $5K | 20.00% |
| LOCKTON COMPANIES, LLC3 | 3657 BRIAR PARK DRIVE, SUITE 700 HOUSTON, TX 77042 | NATIONAL UNION FIRE INSURANCE COMPANY OF PITTSBURGH, PA | $3K | $0 | $3K | 20.00% |
| LOCKTON COMPANIES, LLC3 | 5874 SAN FELIPE, SUITE 320 HOUSTON, TX 77057 | STATE OF PENN | $2K | $0 | $2K | 20.00% |
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 | 1,052 | 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) | 1,052 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 1,052 | $1.5M |
| Vision | UNITEDHEALTHCARE INSURANCE COMPANY | 478 | $59K |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 1,052 | $1.2M |
| Long-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 1,052 | $1.2M |
| Prescription drug(2 contracts, 2 carriers) | HARTFORD LIFE AND ACCIDENT | 114 | $576K |
| Other(7 contracts, 5 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 1,052 | $1.5M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,052 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.