| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| USI INSURANCE SERVICES LLC3 Filed as: USI SOUTHWEST INC | PO BOX 61187 VIRGINIA BEACH, VA 234660000 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | — | $83K | $83K | 5.00% |
| USI INSURANCE SERVICES LLC3 Filed as: USI SOUTHWEST INC | 9811 KATY FREEWAY SUITE 500 HOUSTON, TX 77024 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $11K | $2K | $13K | 11.47% |
| USI INSURANCE SERVICES LLC3 Filed as: USI SOUTHWEST INCTX | 9811 KATY FWY, STE 500 HOUSTON, TX 77024 | DEARBORN LIFE INSURANCE COMPANY | $9K | $2K | $11K | 17.50% |
| USI INSURANCE SERVICES LLC3 Filed as: USI SOUTHWEST INC | 2711 N HASKELL AVE SUITE 2000 D DALLAS, TX 75204 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $518 | — | $518 | 4.06% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER VOLUNTARY BNFTS LLC | P O BOX 71542 CHICAGO, IL 606941542 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $134 | — | $134 | 1.05% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | PO BOX 3009 ARLINGTON HEIGHTS, IL 60006 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $110 | — | $110 | 0.86% |
| USI INSURANCE SERVICES LLC3 Filed as: USI SOUTHWEST INC | 2711 N HASKELL AVE SUITE 2000 D DALLAS, TX 75204 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $377 | — | $377 | 2.97% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER VOLUNTARY BNFTS LLC | PO BOX 71542 CHICAGO, IL 606941542 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $106 | — | $106 | 0.84% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | PO BOX 3009 ARLINGTON HEIGHTS, IL 60006 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $83 | — | $83 | 0.65% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER VOLUNTARY BNFTS LLC | PO BOX 71542 CHICAGO, IL 606941542 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $71 | — | $71 | 2.98% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | PO BOX 3009 ARLINGTON HEIGHTS, IL 60006 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $61 | — | $61 | 2.56% |
| USI INSURANCE SERVICES LLC3 Filed as: USI SOUTHWEST INC | 2711 N HASKELL AVE SUITE 2000 D DALLAS, TX 75204 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $44 | — | $44 | 1.85% |
| WILSON CHRISTOPHER J3 | 6575 PFEIL ROAD SCHERTZ, TX 78154 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $5 | — | $5 | 0.21% |
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 | 190 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 1 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 191 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 176 | $1.7M |
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 176 | $110K |
| Vision | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 176 | $110K |
| Life insurance | DEARBORN LIFE INSURANCE COMPANY | 212 | $62K |
| Short-term disability | DEARBORN LIFE INSURANCE COMPANY | 212 | $62K |
| Other(4 contracts, 2 carriers) | DEARBORN LIFE INSURANCE COMPANY | 212 | $90K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 212 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
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.