| 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 77024 | UNITEDHEALTHCARE INSURANCE COMPANY | — | $27K | $27K | 1.95% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | 2 PIERCE PL ITASCA, IL 60143 | UNITEDHEALTHCARE INSURANCE COMPANY | — | $16K | $16K | 1.14% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC/USI | — | ACE USA GROUP | $6K | — | $6K | 9.00% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER VOLUNTARY BNFTS LLC | P O BOX 71542 CHICAGO, IL 606951542 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $6K | — | $6K | 21.87% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | TWO PIERCE PLACE 14TH FLOOR ITASCA, IL 60143 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $5K | — | $5K | 18.20% |
| CHRISTOPHER J WILSON3 | 6575 PFEIL ROAD SCHERTZ, TX 78154 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $88 | — | $88 | 0.33% |
| USI INSURANCE SERVICES LLC3 Filed as: USI SOUTHWEST INC | 9811 KATY FRWY STE 500 HOUSTON, TX 770241273 | KANAWHA INSURANCE COMPANY | $2K | — | $2K | 8.61% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFITS SER | 411 SOUTH IH 35 SUITE 105 GEORGETOWN, TX 785267622 | KANAWHA INSURANCE COMPANY | $1K | — | $1K | 6.40% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SER | 411 SOUTH IH 35 SUITE 105 GEORGETOWN, TX 786267622 | HUMANADENTAL INSURANCE COMPANY | $684 | $4K | $5K | 29.87% |
| USI INSURANCE SERVICES LLC3 Filed as: USI SOUTHWEST INC | 9811 KATY FRWY STE 500 HOUSTON, TX 770241273 | HUMANADENTAL INSURANCE COMPANY | $737 | $30 | $767 | 4.79% |
| USI INSURANCE SERVICES LLC3 Filed as: USI SOUTHWEST INC | 9811 KATY FRWY STE 500 HOUSTON, TX 770241273 | KANAWHA INSURANCE COMPANY | $545 | $20 | $565 | 7.32% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SER | 411 SOUTH IH 35 SUITE 105 GEORGETOWN, TX 786267622 | KANAWHA INSURANCE COMPANY | $473 | $76 | $549 | 7.12% |
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 | 161 | 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) | 161 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 3 carriers) | UNITEDHEALTHCARE INSURANCE COMPANY | 267 | $1.4M |
| Dental(2 contracts, 2 carriers) | ACE USA GROUP | 150 | $82K |
| Vision | HUMANADENTAL INSURANCE COMPANY | 109 | $16K |
| Life insurance(2 contracts) | KANAWHA INSURANCE COMPANY | 201 | $28K |
| Other | KANAWHA INSURANCE COMPANY | 0 | $20K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 267 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.