| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| USI INSURANCE SERVICES LLC3 Filed as: USI SOUTHWEST INC. | 840 GESSNER RD STE 600 HOUSTON, TX 770244145 | UNITEDHEALTHCARE INSURANCE COMPANY | $6K | — | $6K | 2.57% |
| USI INSURANCE SERVICES LLC3 Filed as: USI SOUTHWEST INC | 9811 KATY FWY STE 500 HOUSTON, TX 77024 | UNITEDHEALTHCARE INSURANCE COMPANY | $5K | — | $5K | 1.92% |
| USI INSURANCE SERVICES LLC3 Filed as: USI SOUTHWEST - HOUSTON, TX | PO BOX 61187 VIRGINIA BEACH, VA 23466 | EYEMED VISION CARE | $1K | — | $1K | 7.84% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| UNITED HEALTHCARE SERVICES, INC. EIN 41-1289245 CLAIMS PROCESSOR | Other services; Claims processing Service code 12 | 22561 NETWORK PLACE 606731225C0001 CHICAGO, IL 606731225 | $156K |
| USI SOUTHWEST INC. EIN 76-0206321 BROKER | Other commissions Service code 55 | 9811 KATY FWY STE 600 HOUSTON, TX 770241227 | $0 |
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 | 226 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 227 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 226 | $246K |
| Vision | EYEMED VISION CARE | 200 | $14K |
| Stop-loss / reinsurancereinsurance | UNITEDHEALTHCARE INSURANCE COMPANY | 226 | $246K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 226 | — |
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."
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.