| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| USI INSURANCE SERVICES LLC3 Filed as: USI SOUTHWEST INC | 7600-C N CAPITAL OF TX HWY STE 200 AUSTIN, TX 787311197 | HUMANA HEALTH PLAN OF TEXAS, INC | $77K | $2K | $79K | 5.09% |
| USI INSURANCE SERVICES LLC3 Filed as: USI SOUTHWEST | — | ACE AMERICAN INSURANCE COMPANY | $8K | — | $8K | 9.01% |
| USI INSURANCE SERVICES LLC3 Filed as: USI SOUTHWEST INC | 2711 N HASKELL AVE SUITE 2000 D DALLAS, TX 75204 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $780 | — | $780 | 2.99% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER VOLUNTARY BNFTS LLC | PO BOX 71542 CHICAGO, IL 606941542 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $696 | — | $696 | 2.67% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | PO BOX 3009 ARLINGTON HEIGHTS, IL 60006 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $613 | — | $613 | 2.35% |
| CHRISTOPHER J WILSON3 | 6575 PFEIL ROAD SCHERTZ, TX 78154 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $59 | — | $59 | 0.23% |
| USI INSURANCE SERVICES LLC3 Filed as: USI SOUTHWEST INCTX | 9811 KATY FWY, STE 500 HOUSTON, TX 77024 | DEARBORN NATIONAL LIFE INSURANCE COMPANY | $3K | $706 | $4K | 18.27% |
| USI INSURANCE SERVICES LLC3 Filed as: USI SOUTHWEST INC | 7600-C N CAPITAL OF TX HWY STE 200 AUSTIN, TX 787311197 | HUMANA INSURANCE COMPANY | $2K | $140 | $2K | 10.87% |
| USI INSURANCE SERVICES LLC3 Filed as: USI SOUTHWEST INC | 2711 N HASKELL AVE SUITE 2000 D DALLAS, TX 75204 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $889 | — | $889 | 7.22% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER VOLUNTARY BNFTS LLC | P O BOX 71542 CHICAGO, IL 606941542 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $201 | — | $201 | 1.63% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | PO BOX 3009 ARLINGTON HEIGHTS, IL 60006 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $163 | — | $163 | 1.32% |
| USI INSURANCE SERVICES LLC3 Filed as: USI SOUTHWEST INC | 2711 N HASKELL AVE SUITE 2000 D DALLAS, TX 75204 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $549 | — | $549 | 13.08% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER VOLUNTARY BNFTS LLC | PO BOX 71542 CHICAGO, IL 606941542 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $229 | — | $229 | 5.46% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | PO BOX 3009 ARLINGTON HEIGHTS, IL 60006 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $178 | — | $178 | 4.24% |
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 | 171 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 172 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HUMANA HEALTH PLAN OF TEXAS, INC | 136 | $1.6M |
| Dental | ACE AMERICAN INSURANCE COMPANY | 167 | $84K |
| Vision | HUMANA INSURANCE COMPANY | 122 | $16K |
| Life insurance | DEARBORN NATIONAL LIFE INSURANCE COMPANY | 221 | $22K |
| Other(4 contracts, 2 carriers) | AMERICAN HERITAGE LIFE INSURANCE COMPANY | 221 | $65K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 221 | — |
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.
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.