| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| USI INSURANCE SERVICES LLC3 Filed as: USI SOUTHWEST INC | — | BLUECROSS BLUESHIELD OF TEXAS | $81K | — | $81K | 4.43% |
| USI INSURANCE SERVICES LLC3 Filed as: USI SOUTHWEST INC | ATTN AUSTIN PO BOX 61187 VIRGINIA BEACH, VA 23466 | STANDARD INSURANCE COMPANY | $7K | — | $7K | 13.77% |
| USI INSURANCE SERVICES LLC3 Filed as: USI SOUTHWEST INC | ATTN SOUTHWEST PO BOX 61187 VIRGINIA BEACH, VA 23466 | STANDARD INSURANCE COMPANY | — | $517 | $517 | 0.98% |
| USI INSURANCE SERVICES LLC3 Filed as: USI SOUTHWEST INC | ATTN AUSTIN PO BOX 61187 VIRGINIA BEACH, VA 23466 | STANDARD INSURANCE COMPANY | $2K | — | $2K | 6.21% |
| USI INSURANCE SERVICES LLC3 Filed as: USI SOUTHWEST INC | ATTN SOUTHWEST PO BOX 61187 VIRGINIA BEACH, VA 23466 | STANDARD INSURANCE COMPANY | — | $378 | $378 | 0.96% |
| USI INSURANCE SERVICES LLC3 Filed as: USI SW, INC. | 7600-B NORTH CAPITAL OF TEXAS HIGHW SUITE 200 AUSTIN, TX 78731 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $5K | — | $5K | 15.00% |
| USI INSURANCE SERVICES LLC3 Filed as: USI SW, INC. | 7600-B NORTH CAPITAL OF TEXAS HIGHW SUITE 200 AUSTIN, TX 78731 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $2K | $25 | $2K | 7.39% |
| HOLMES MURPHY & ASSOCIATES3 Filed as: HOLMES MURPHY AND ASSOCIATES, LLC | PO BOX 441 DES MOINES, IA 50302 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $188 | — | $188 | 0.72% |
| USI INSURANCE SERVICES LLC3 Filed as: USI SOUTHWEST INCTX | 9811 KATY FREEWAY SUITE 500 HOUSTON, TX 77024 | DEARBORN LIFE INSURANCE COMPANY | $2K | — | $2K | 9.98% |
| USI INSURANCE SERVICES LLC3 Filed as: USI SW, INC. | 7600-B NORTH CAPITAL OF TEXAS HIGHW SUITE 200 AUSTIN, TX 78731 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $2K | — | $2K | 15.00% |
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 | 148 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 2 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 150 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUECROSS BLUESHIELD OF TEXAS | 253 | $1.8M |
| Dental | BLUECROSS BLUESHIELD OF TEXAS | 253 | $1.8M |
| Vision | DEARBORN LIFE INSURANCE COMPANY | 120 | $15K |
| Life insurance | STANDARD INSURANCE COMPANY | 148 | $39K |
| Long-term disability | STANDARD INSURANCE COMPANY | 148 | $53K |
| Other(4 contracts, 2 carriers) | STANDARD INSURANCE COMPANY | 150 | $108K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 253 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.