| 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 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | -$7K | $11K | $4K | 0.72% |
| USI INSURANCE SERVICES LLC3 | 470 PARK AVENUE SOUTH FLOOR 6 NEW YORK, NY 10016 | HARTFORD LIFE AND ACCIDENT | — | $388 | $388 | 0.13% |
| MARSH & MCLENNAN AGENCY LLC3 | 100 FRONT STREET SUITE 800 WORCESTER, MA 01608 | HARTFORD LIFE AND ACCIDENT | — | $12 | $12 | 0.00% |
| MARSH & MCLENNAN AGENCY LLC3 | 8144 WALNUT HILL LANE 16TH FLOOR DALLAS, TX 75231 | HARTFORD LIFE AND ACCIDENT | -$2K | — | -$2K | -0.59% |
| USI INSURANCE SERVICES LLC3 Filed as: USI SOUTHWEST, INC. | 600 WEST 5TH STREET SUITE 200 AUSTIN, TX 78701 | HARTFORD LIFE AND ACCIDENT | -$9K | — | -$9K | -2.91% |
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 | 645 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 46 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 691 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUECROSS BLUESHIELD OF TEXAS | 1,034 | $4.2M |
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 555 | $515K |
| Vision | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 555 | $515K |
| Life insurance | HARTFORD LIFE AND ACCIDENT | 649 | $305K |
| Short-term disability | HARTFORD LIFE AND ACCIDENT | 649 | $305K |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 649 | $305K |
| Other(2 contracts, 2 carriers) | HARTFORD LIFE AND ACCIDENT | 649 | $319K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,034 | — |
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 comp is under 1% of premium on a >$1M plan. Plan may be flying solo or paying a flat fee — consultant sales target.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.