| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| USI INSURANCE SERVICES LLC3 Filed as: USI SOUTHWEST, INC. | 9811 KATY FREEWAY, SUITE 500 HOUSTON, TX 77024 | AETNA LIFE INSURANCE COMPANY | $15K | $34K | $49K | 1.25% |
| USI INSURANCE SERVICES LLC3 Filed as: USI SOUTHWEST, INC. | 920 MEMORIAL CITY WAY, SUITE 500 HOUSTON, TX 77024 | AETNA LIFE INSURANCE COMPANY | $29K | $0 | $29K | 0.74% |
| BRIAN DAEGER3 Filed as: BRIAN RANDEL DAEGER | 14785 ROAD 138 PAULDING, OH 45879 | AETNA LIFE INSURANCE COMPANY | $12K | $0 | $12K | 0.31% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF TEXAS, INC. | 15305 NORTH DALLAS PARKWAY SUITE 1100 ADDISON, TX 75001 | AETNA LIFE INSURANCE COMPANY | $5K | $0 | $5K | 0.13% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF TEXAS, INC. | PO BOX 731739 DALLAS, TX 75373 | EYEMED | $5K | $0 | $5K | 12.60% |
| USI INSURANCE SERVICES LLC3 | PO BOX 61187 VIRGINIA BEACH, VA 23466 | EYEMED | $1K | $0 | $1K | 3.64% |
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 | 407 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 407 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | AETNA LIFE INSURANCE COMPANY | 721 | $3.9M |
| Dental | AETNA LIFE INSURANCE COMPANY | 721 | $3.9M |
| Vision | EYEMED | 635 | $39K |
| Life insurance | AETNA LIFE INSURANCE COMPANY | 721 | $3.9M |
| Short-term disability | AETNA LIFE INSURANCE COMPANY | 721 | $3.9M |
| Prescription drug | AETNA LIFE INSURANCE COMPANY | 721 | $3.9M |
| Other | AETNA LIFE INSURANCE COMPANY | 721 | $3.9M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 721 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.