| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| USI INSURANCE SERVICES LLC3 Filed as: USI SOUTHWEST INC. | 9811 KATY FREEWAY HOUSTON, TX 77024 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $73K | — | $73K | 9.85% |
| USI INSURANCE SERVICES LLC3 Filed as: USI SOUTHWEST INC | PO BOX 61187 VIRGINIA BEACH, VA 23466 | UNITED OF OMAHA LIFE INSURANCE CO | $6K | $2K | $8K | 19.73% |
| USI INSURANCE SERVICES LLC3 Filed as: USI SOUTHWEST INC | PO BOX 61187 VIRGINIA BEACH, VA 23466 | UNITED OF OMAHA LIFE INSURANCE CO | $5K | $3K | $8K | 23.01% |
| USI INSURANCE SERVICES LLC3 Filed as: USI SOUTHWEST INC | PO BOX 61187 VIRGINIA BEACH, VA 23466 | METROPOLITAN LIFE INSURANCE CO | $5K | $57 | $5K | 17.06% |
| TOTAL BENEFIT SOLUTIONS3 | 2527 86TH ST LUBBOCK, TX 79423 | METROPOLITAN LIFE INSURANCE CO | — | $714 | $714 | 2.53% |
| USI INSURANCE SERVICES LLC3 Filed as: USI SOUTHWEST INC | PO BOX 61187 VIRGINIA BEACH, VA 23466 | UNITED OF OMAHA LIFE INSURANCE CO | $3K | $1K | $5K | 20.42% |
| USI INSURANCE SERVICES LLC3 Filed as: USI SOUTHWEST INC | PO BOX 61187 VIRGINIA BEACH, VA 23466 | METROPOLITAN LIFE INSURANCE CO | $2K | $57 | $2K | 16.97% |
| TOTAL BENEFIT SOLUTIONS3 | 2527 86TH ST LUBBOCK, TX 79423 | METROPOLITAN LIFE INSURANCE CO | — | $286 | $286 | 2.47% |
| USI INSURANCE SERVICES LLC3 Filed as: USI SOUTHWEST INC | PO BOX 61187 VIRGINIA BEACH, VA 23466 | METROPOLITAN LIFE INSURANCE CO | $2K | $57 | $2K | 16.45% |
| TOTAL BENEFIT SOLUTIONS3 | 2527 86TH ST LUBBOCK, TX 79423 | METROPOLITAN LIFE INSURANCE CO | — | $233 | $233 | 2.38% |
| USI INSURANCE SERVICES LLC3 Filed as: USI SOUTHWEST INC | PO BOX 61187 VIRGINIA BEACH, VA 23466 | UNITED OF OMAHA LIFE INSURANCE CO | $791 | $433 | $1K | 23.21% |
| USI INSURANCE SERVICES LLC3 Filed as: USI SOUTHWEST INC | 9811 KATY FREEWAY HOUSTON, TX 77024 | COLONIAL LIFE & ACCIDENT INSURANCE | $204 | $14 | $218 | 4.22% |
| HOUSTON NORMAN HAMILTON3 | 7310 LOVE CREEK MISSOURI CITY, TX 77459 | COLONIAL LIFE & ACCIDENT INSURANCE | $142 | $46 | $188 | 3.64% |
| DARIN POTTS3 | 100 DETERING ST APT 2128 HOUSTON, TX 77007 | COLONIAL LIFE & ACCIDENT INSURANCE | $50 | $53 | $103 | 1.99% |
| DEBRA KAY GAPP3 | 20302 STONE FALLS CT CYPRESS, TX 77433 | COLONIAL LIFE & ACCIDENT INSURANCE | $81 | $14 | $95 | 1.84% |
| BOWLES INSURANCE SERVICES LLC3 | 12816 S WINDING PINES DR TOMBALL, TX 77375 | COLONIAL LIFE & ACCIDENT INSURANCE | $49 | $28 | $77 | 1.49% |
| VALERIE MOZELLE ORONA-VICTORIA3 | 2119 6TH AVE NORTH TEXAS CITY, TX 77590 | COLONIAL LIFE & ACCIDENT INSURANCE | $42 | — | $42 | 0.81% |
| VERA ANN PAREDES3 | 1414 S RICHEY ST PASADENA, TX 77502 | COLONIAL LIFE & ACCIDENT INSURANCE | $26 | $5 | $31 | 0.60% |
| DUDLEY HERRERA3 | 10502 KINGSTON CREEK LN CYPRESS, TX 77433 | COLONIAL LIFE & ACCIDENT INSURANCE | $25 | $1 | $26 | 0.50% |
| ASSUREDPARTNERS3 Filed as: ASSUREDPARTNERS OF HOUSTON LLC | 18050 SATURN LANE HOUSTON, TX 77058 | COLONIAL LIFE & ACCIDENT INSURANCE | $19 | — | $19 | 0.37% |
| LINDA CANTU3 | 902 WEST 12TH STREET FREEPORT, TX 77541 | COLONIAL LIFE & ACCIDENT INSURANCE | $4 | — | $4 | 0.08% |
| JOE ANTHONY RODRIGUEZ3 | 902 DIPPING LANE HOUSTON, TX 77076 | COLONIAL LIFE & ACCIDENT INSURANCE | $3 | — | $3 | 0.06% |
| USI INSURANCE SERVICES LLC3 Filed as: USI SOUTHWEST | 9811 KATY FREEWAY HOUSTON, TX 77024 | COLONIAL LIFE & ACCIDENT INSURANCE | $144 | $6 | $150 | 4.24% |
| HOUSTON NORMAN HAMILTON3 | 7310 LOVE CREEK MISSOURI CITY, TX 77459 | COLONIAL LIFE & ACCIDENT INSURANCE | $48 | $16 | $64 | 1.81% |
| DARIN POTTS3 | 100 DETERING ST APT 2128 HOUSTON, TX 77007 | COLONIAL LIFE & ACCIDENT INSURANCE | $20 | $21 | $41 | 1.16% |
| VALERIE MOZELLE ORONA-VICTORIA3 | 2119 6TH AVE NORTH TEXAS CITY, TX 77590 | COLONIAL LIFE & ACCIDENT INSURANCE | $39 | — | $39 | 1.10% |
| DEBRA KAY GAPP3 | 20302 STONE FALLS CT CYPRESS, TX 77433 | COLONIAL LIFE & ACCIDENT INSURANCE | $28 | $5 | $33 | 0.93% |
| BOWLES INSURANCE SERVICES LLC3 | 147 W WADING POND CIRCLE TOMBALL, TX 77375 | COLONIAL LIFE & ACCIDENT INSURANCE | $19 | $11 | $30 | 0.85% |
| VERA ANN PAREDES3 | 1414 S RICHEY ST PASADENA, TX 77502 | COLONIAL LIFE & ACCIDENT INSURANCE | $19 | $4 | $23 | 0.65% |
| ASSUREDPARTNERS3 Filed as: ASSUREDPARTNERS OF HOUSTON LLC | 18050 SATURN LANE HOUSTON, TX 77058 | COLONIAL LIFE & ACCIDENT INSURANCE | $13 | — | $13 | 0.37% |
| JOE ANTHONY RODRIGUEZ3 | 902 DIPPING LN HOUSTON, TX 77076 | COLONIAL LIFE & ACCIDENT INSURANCE | $9 | — | $9 | 0.25% |
| LINDA CANTU3 | 902 WEST 12TH STREET FREEPORT, TX 77541 | COLONIAL LIFE & ACCIDENT INSURANCE | $8 | — | $8 | 0.23% |
| DUDLEY HERRERA3 | 10502 KINGSTON CREEK LN CYPRESS, TX 77433 | COLONIAL LIFE & ACCIDENT INSURANCE | $5 | — | $5 | 0.14% |
| WAYNE JAMES PITRIE3 | 9737 BEVLYN DR HOUSTON, TX 77025 | COLONIAL LIFE & ACCIDENT INSURANCE | $2 | — | $2 | 0.06% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| CIGNA HEALTH AND LIFE INSURANCE CO EIN 59-1031071 | Named fiduciary; Participant communication; Claims processing; Float revenue; Contract Administrator; Other services; Non-monetary compensation; Direct payment from the plan Service code 12 | — | $96K |
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 | 164 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 164 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(4 contracts, 2 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 155 | $787K |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 155 | $737K |
| Vision | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 155 | $737K |
| Life insurance(2 contracts) | UNITED OF OMAHA LIFE INSURANCE CO | 158 | $42K |
| Short-term disability(2 contracts) | UNITED OF OMAHA LIFE INSURANCE CO | 143 | $43K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE CO | 36 | $23K |
| Other(4 contracts, 2 carriers) | UNITED OF OMAHA LIFE INSURANCE CO | 158 | $50K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 158 | — |
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.