| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| USI INSURANCE SERVICES LLC3 Filed as: USI SOUTHWEST INC | 9811 KATY FWY STE 500 HOUSTON, TX 770241227 | UNITEDHEALTHCARE INSURANCE COMPANY | — | $66K | $66K | 5.26% |
| USI INSURANCE SERVICES LLC3 Filed as: USI SOUTHWEST INC. | PO BOX 61187 VIRGINIA BEACH, VA 23466 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $6K | — | $6K | 8.61% |
| USI INSURANCE SERVICES LLC3 Filed as: USI SOUTHWEST INC | PO BOX 61187 VIRGINIA BEACH, VA 23466 | UNITED OF OMAHA LIFE INSURANCE CO | $7K | $4K | $10K | 22.98% |
| 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 | 23.02% |
| USI INSURANCE SERVICES LLC3 Filed as: USI SOUTHWEST INC | PO BOX 61187 VIRGINIA BEACH, VA 234661187 | METROPOLITAN LIFE INSURANCE CO | $7K | $65 | $7K | 20.32% |
| TOTAL BENEFIT SOLUTIONS3 | 3402 73RD ST UNIT F LUBBOCK, TX 794231122 | METROPOLITAN LIFE INSURANCE CO | — | $1K | $1K | 3.02% |
| USI INSURANCE SERVICES LLC3 | PO BOX 61187 VIRGINIA BEACH, VA 234661187 | METROPOLITAN LIFE INSURANCE CO | — | $807 | $807 | 2.29% |
| USI INSURANCE SERVICES LLC3 Filed as: USI SOUTHWEST INC | PO BOX 61187 VIRGINIA BEACH, VA 23466 | UNITED OF OMAHA LIFE INSURANCE CO | $3K | $2K | $5K | 23.26% |
| USI INSURANCE SERVICES LLC3 Filed as: USI SOUTHWEST INC | PO BOX 61187 VIRGINIA BEACH, VA 23466 | METROPOLITAN LIFE INSURANCE CO | $4K | $65 | $4K | 19.30% |
| TOTAL BENEFIT SOLUTIONS3 | 3402 73RD ST UNIT F LUBBOCK, TX 794231122 | METROPOLITAN LIFE INSURANCE CO | — | $539 | $539 | 2.84% |
| USI INSURANCE SERVICES LLC3 | PO BOX 61187 VIRGINIA BEACH, VA 234661187 | METROPOLITAN LIFE INSURANCE CO | — | $379 | $379 | 2.00% |
| USI INSURANCE SERVICES LLC3 Filed as: USI SOUTHWEST INC | PO BOX 61187 VIRGINIA BEACH, VA 234661187 | METROPOLITAN LIFE INSURANCE CO | $3K | $65 | $3K | 19.14% |
| TOTAL BENEFIT SOLUTIONS3 | 3402 73RD ST UNIT F LUBBOCK, TX 794231122 | METROPOLITAN LIFE INSURANCE CO | — | $377 | $377 | 2.80% |
| USI INSURANCE SERVICES LLC3 | PO BOX 61187 VIRGINIA BEACH, VA 234661187 | METROPOLITAN LIFE INSURANCE CO | — | $246 | $246 | 1.83% |
| USI INSURANCE SERVICES LLC3 Filed as: USI SOUTHWEST INC | PO BOX 61187 VIRGINIA BEACH, VA 23466 | UNITED OF OMAHA LIFE INSURANCE CO | $781 | $409 | $1K | 22.86% |
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 | 145 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 145 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(4 contracts, 2 carriers) | UNITEDHEALTHCARE INSURANCE COMPANY | 162 | $1.3M |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 156 | $65K |
| Vision | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 156 | $65K |
| Life insurance(2 contracts) | UNITED OF OMAHA LIFE INSURANCE CO | 165 | $42K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE CO | 143 | $44K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE CO | 32 | $22K |
| Other(2 contracts) | UNITED OF OMAHA LIFE INSURANCE CO | 165 | $42K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 165 | — |
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.