| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY, LLC | 2500 CITY WEST BOULEVARD SUITE 2400 HOUSTON, TX 77042 | BLUE CROSS BLUE SHIELD OF TEXAS | $61K | — | $61K | 2.13% |
| USI INSURANCE SERVICES LLC3 Filed as: USI SOUTHWEST, INC. | 840 GESSNER RD. SUITE 600 HOUSTON, TX 77024 | BLUE CROSS BLUE SHIELD OF TEXAS | $25K | $7K | $32K | 1.13% |
| USI INSURANCE SERVICES LLC3 Filed as: USI SOUTHWEST INC. | 840 GESSNER ROAD SUITE 600 HOUSTON, TX 77024 | DEARBORN NATIONAL LIFE INSURANCE COMPANY | $26K | — | $26K | 8.55% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY, LLC | 2500 CITY WEST BOULEVARD SUITE 2400 HOUSTON, TX 77042 | DEARBORN NATIONAL LIFE INSURANCE COMPANY | $18K | $454 | $19K | 6.23% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY, LLC | 2500 CITY WEST BOULEVARD SUITE 2400 HOUSTON, TX 77042 | UNION SECURITY INSURANCE COMPANY | $9K | $8K | $17K | 7.63% |
| USI INSURANCE SERVICES LLC3 Filed as: USI SOUTHWEST, INC. | 840 GESSNER RD. SUITE 600 HOUSTON, TX 77024 | UNION SECURITY INSURANCE COMPANY | $13K | — | $13K | 5.77% |
| KIMBERLY EVETTS3 Filed as: KIMBERLY SUE EVETTS | 16400 KENSINGTON DRIVE SUGAR LAND, TX 77479 | AFLAC | $8K | $169 | $8K | 8.93% |
| SIBONEY TREVINO3 Filed as: SIBONEY TREVINO-TOTH | 21414 GOLDEN DOVE DRIVE SPRING, TX 77388 | AFLAC | $6K | $217 | $6K | 6.62% |
| JOSEPH P TOTH3 | 4625 FM 2920 RD #141 SPRING, TX 77388 | AFLAC | $5K | $211 | $5K | 5.30% |
| KIM REED SMITH3 | 7815 DEERWOOD LAKE DR HUMBLE, TX 77346 | AFLAC | $2K | $1 | $2K | 1.95% |
| THERESA NETTO PHILLIPS1 Filed as: THERESA A CHAMBLISS | 800 ROCKMEAD DR STE 208 KINGWOOD, TX 77339 | AFLAC | $2K | $1 | $2K | 1.81% |
| VARIOUS - SEE ATTACHED3 Filed as: VARIOUS BROKERS WHO EARNED | — | AFLAC | $815 | $170 | $985 | 1.10% |
| MIKE STEWART3 | 19534 GLADEWATER DRIVE TOMBALL, TX 77375 | AFLAC | $715 | — | $715 | 0.80% |
| MARYANN MCBRAYER3 | 5450 NW CENTRAL DRIVE SUITE 120 HOUSTON, TX 77092 | AFLAC | $634 | $77 | $711 | 0.79% |
| USI INSURANCE SERVICES LLC3 Filed as: USI SOUTHWEST, INC. | 840 GESSNER RD. SUITE 600 HOUSTON, TX 77024 | EYEMED VISION CARE - FIDELITY SECURITY LIFE INSURANCE COMPANY | $3K | — | $3K | 6.63% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY, LLC | 2500 CITY WEST BOULEVARD SUITE 2400 HOUSTON, TX 77042 | EYEMED VISION CARE - FIDELITY SECURITY LIFE INSURANCE COMPANY | $1K | — | $1K | 3.27% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY, LLC | 2500 CITY WEST BOULEVARD SUITE 2400 HOUSTON, TX 77042 | UNITED DENTAL CARE OF TEXAS, INC. | $992 | $826 | $2K | 7.39% |
| USI INSURANCE SERVICES LLC3 Filed as: USI SOUTHWEST, INC. | 840 GESSNER RD. SUITE 600 HOUSTON, TX 77024 | UNITED DENTAL CARE OF TEXAS, INC. | $1K | — | $1K | 5.97% |
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 | 789 | 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) | 789 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF TEXAS | 1,003 | $2.8M |
| Dental(2 contracts, 2 carriers) | UNION SECURITY INSURANCE COMPANY | 401 | $249K |
| Vision | EYEMED VISION CARE - FIDELITY SECURITY LIFE INSURANCE COMPANY | 776 | $45K |
| Life insurance | DEARBORN NATIONAL LIFE INSURANCE COMPANY | 789 | $301K |
| Short-term disability | DEARBORN NATIONAL LIFE INSURANCE COMPANY | 789 | $301K |
| Long-term disability | DEARBORN NATIONAL LIFE INSURANCE COMPANY | 789 | $301K |
| Prescription drug | BLUE CROSS BLUE SHIELD OF TEXAS | 1,003 | $2.8M |
| Other(2 contracts, 2 carriers) | DEARBORN NATIONAL LIFE INSURANCE COMPANY | 789 | $391K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,003 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.