| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| USI INSURANCE SERVICES LLC3 Filed as: USI SOUTHWEST INC. | 9811 KATY FREEWAY #500 HOUSTON, TX 770241273 | METROPOLITAN LIFE INSURANCE COMPANY | $6K | $361 | $6K | 17.79% |
| USI INSURANCE SERVICES LLC3 Filed as: USI SOUTHWEST, INC. | 9811 KATY FREEWAY SUITE 500 HOUSTON, TX 77024 | NATIONAL UNION FIRE INS. CO. OF PITTSBURGH, PA | $878 | $0 | $878 | 15.00% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| ALLIED BENEFIT SYSTEMS INC. EIN 36-3086057 | Insurance services Service code 23 | — | $375K |
| NURSE CONSULTANTS LLC | Consulting (general) Service code 16 | 3603 CRESCENT DRIVE PEARLAND, TX 77584 | $165K |
| MEDCOST, LLC | Insurance services Service code 23 | 165 KIMEL PARK DR. WINSTON-SALEM, NC 27103 | $30K |
| AMERICAN HEALTH HOLDING | Insurance services Service code 23 | 7400 W. CAMPUS ROAD F-510 NEW ALBANY, OH 43054 | $24K |
| PHCS | Insurance services Service code 23 | P.O. BOX D-3232 BOSTON, MA 022413232 | $0 |
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 | 1,740 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 1,740 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 1,740 | $36K |
| Other | NATIONAL UNION FIRE INS. CO. OF PITTSBURGH, PA | 1,740 | $6K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,740 | — |
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.