| 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 | BLUE CROSS BLUE SHIELD OF TEXAS | $30K | $1K | $31K | 5.21% |
| USI INSURANCE SERVICES LLC3 | PO BOX 61187 VIRGINIA BEACH, VA 23466 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $15K | $3K | $18K | 19.66% |
| PLUMHOFF AND ASSOCIATES, INC.3 | UNKNOWN HOUSTON, TX 77218 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $3K | $0 | $3K | 4.29% |
| ROGER LAPHAM3 | 234 WATERFORD OAKS LANE KEMAH, TX 77565 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $2K | $205 | $2K | 3.43% |
| MARYSOL N. CALVILLO3 | 5026 LONGLANE DRIVE HOUSTON, TX 77084 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $1K | $32 | $2K | 2.29% |
| NANCY LAPHAM3 | 23 WATERFORD OAKS LANE KEMAH, TX 77565 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $927 | $54 | $981 | 1.47% |
| AUTO QUOTE SYSTEMS INC3 Filed as: AUTO QUOTE SYSTEMS, INC. AND AGENTS | 4911 HOLLY TREE DRIVE DALLAS, TX 75287 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $279 | $0 | $279 | 0.42% |
| SANTIAGO OCHOA3 | 2120 EL PASEO, UNIT 308 HOUSTON, TX 77054 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $250 | $0 | $250 | 0.38% |
| COMPASS INSURANCE AGENCY, INC.3 | 840 GESSNER ROAD HOUSTON, TX 77024 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $121 | $0 | $121 | 0.18% |
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 | 78 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 79 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF TEXAS | 74 | $602K |
| Dental | UNITED OF OMAHA LIFE INSURANCE COMPANY | 85 | $93K |
| Vision | UNITED OF OMAHA LIFE INSURANCE COMPANY | 85 | $93K |
| Life insurance(2 contracts, 2 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 85 | $159K |
| Short-term disability | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | 48 | $67K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 85 | $93K |
| Prescription drug | BLUE CROSS BLUE SHIELD OF TEXAS | 74 | $602K |
| Other | UNITED OF OMAHA LIFE INSURANCE COMPANY | 85 | $93K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 85 | — |
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.