| 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 | UNITEDHEALTHCARE INSURANCE COMPANY | $661K | $0 | $661K | 8.77% |
| USI INSURANCE SERVICES LLC3 | PO BOX 66119 VIRGINIA BEACH, VA 23466 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $200K | $0 | $200K | 3.07% |
| IMG5 | 2960 NORTH MERDIAN STREET INDIANAPOLIS, IN 46208 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $0 | $1K | $1K | 0.02% |
| AXA ASSISTANCE, USA5 | 122 SOUTH MICHIGAN AVENUE SUITE 1100 CHICAGO, IL 60603 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $0 | $242 | $242 | 0.00% |
| USI INSURANCE SERVICES LLC3 | PO BOX 61187 VIRGINIA BEACH, VA 23466 | METROPOLITAN LIFE INSURANCE COMPANY | $49K | $3K | $52K | 6.92% |
| USI INSURANCE SERVICES LLC3 | PO BOX 62939 VIRGINIA BEACH, VA 23466 | METROPOLITAN LIFE INSURANCE COMPANY | $48K | $185 | $49K | 6.42% |
| EMPYREAN INSURANCE SERVICES, INC.3 | 3010 BRIARPARK DRIVE, SUITE 800 HOUSTON, TX 77042 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $21K | $21K | 2.83% |
| USI INSURANCE SERVICES LLC3 Filed as: USI SOUTHWEST, INC. | 9811 KATY FREEWAY, SUITE 500 HOUSTON, TX 77024 | METROPOLITAN LIFE INSURANCE COMPANY | $19K | $31 | $19K | 2.54% |
| EMPYREAN INSURANCE SERVICES, INC.3 | 3010 BRIAR PARK DRIVE, SUITE 8000 HOUSTON, TX 77042 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $14K | $14K | 1.88% |
| USI INSURANCE SERVICES LLC3 | PO BOX 61007 VIRGINIA BEACH, VA 23466 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $4K | $4K | 0.57% |
| USI INSURANCE SERVICES LLC3 | PO BOX 61187 VIRGINIA BEACH, VA 23446 | METROPOLITAN LIFE INSURANCE COMPANY | $274 | $466 | $740 | 0.10% |
| USI INSURANCE SERVICES LLC3 | PO BOX 61187 VIRGINIA BEACH, VA 23466 | VISION SERVICE PLAN | $30K | $0 | $30K | 5.01% |
| MERCER HEALTH AND BENEFITS, LLC3 | 12421 MEREDITH DRIVE URBANDALE, IA 50398 | HARTFORD LIFE AND ACCIDENT | $726 | $0 | $726 | 0.14% |
| EMPYREAN BENEFITS3 | 3010 BRIARPARK DRIVE, SUITE 800 HOUSTON, TX 77042 | METLIFE LEGAL PLANS, INC. | $0 | $715 | $715 | 4.37% |
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 | 2,228 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1,380 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 698 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 4,306 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | UNITEDHEALTHCARE INSURANCE COMPANY | 6,363 | $8.0M |
| Vision | VISION SERVICE PLAN | 1,975 | $607K |
| Life insurance(2 contracts, 2 carriers) | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 4,314 | $7.3M |
| Short-term disability | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 4,314 | $6.5M |
| Long-term disability | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 4,314 | $6.5M |
| Prescription drug(2 contracts, 2 carriers) | UNITEDHEALTHCARE INSURANCE COMPANY | 6,363 | $8.0M |
| Other(4 contracts, 4 carriers) | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 4,314 | $7.4M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 6,363 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.