| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| USI INSURANCE SERVICES LLC3 Filed as: USI SOUTHWEST INC | — | BLUECROSS BLUESHIELD OF TEXAS | $83K | — | $83K | 2.05% |
| TRUVERIS, INC3 | — | BLUECROSS BLUESHIELD OF TEXAS | — | $6K | $6K | 0.14% |
| USI INSURANCE SERVICES LLC3 Filed as: USI SOUTHWEST INC | 7600-C NORTH CAPITAL OF TEXAS HIGHW #200 AUSTIN, TX 78731 | BLUECROSS BLUESHIELD OF TEXAS | — | $46 | $46 | 0.00% |
| TRUVERIS, INC3 | 3 BEAVER VALLEY ROAD SUITE 103 WILMINGTON, DE 19803 | BLUECROSS BLUESHIELD OF TEXAS | — | $23 | $23 | 0.00% |
| ST. EDWARDS UNIVERSITY, INC3 | 3001 SOUTH CONGRESS AVENUE AUSTIN, TX 78704 | BLUECROSS BLUESHIELD OF TEXAS | — | $6 | $6 | 0.00% |
| USI INSURANCE SERVICES LLC3 Filed as: USI SOUTHWEST INC | PO BOX 61187 VIRGINIA BEACH, VA 23466 | METROPOLITAN LIFE INSURANCE COMPANY | — | $83 | $83 | 0.02% |
| USI INSURANCE SERVICES LLC3 Filed as: USI SOUTHWEST INC | PO BOX 61187 VIRGINIA BEACH, VA 23466 | METROPOLITAN LIFE INSURANCE COMPANY | — | $83 | $83 | 0.22% |
| USI INSURANCE SERVICES LLC3 Filed as: USI SOUTHWEST INC | PO BOX 61187 VIRGINIA BEACH, VA 23466 | METROPOLITAN LIFE INSURANCE COMPANY | — | $83 | $83 | 0.46% |
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 | 536 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 19 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 555 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 836 | $551K |
| Vision | METROPOLITAN LIFE INSURANCE COMPANY | 597 | $37K |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 836 | $551K |
| Short-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 836 | $551K |
| Long-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 836 | $551K |
| Stop-loss / reinsurancereinsurance | BLUECROSS BLUESHIELD OF TEXAS | 788 | $4.0M |
| Other(3 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 836 | $583K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 836 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.