| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| USI INSURANCE SERVICES LLC Filed as: USI SOUTHWEST INC | 7600C N CAPITAL OF TX HWY SUITE 200 AUSTIN, TX 78731 | BLUE CROSS BLUE SHIELD OF TEXAS | $44K | $6K | $50K | 0.83% |
| TRUVERIS, INC Filed as: TRUVERIS INC | 3 BEAVER VALLEY RD SUITE 103 WILMINGTON, DE 19803 | BLUE CROSS BLUE SHIELD OF TEXAS | — | $12K | $12K | 0.20% |
| CONTINENTAL GENERAL AGENCY INC | 6757 AIRPORT BLVD AUSTIN, TX 78752 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $22K | — | $22K | 7.54% |
| CONTINENTAL GENERAL AGENCY INC | 6757 AIRPORT BLVD AUSTIN, TX 78752 | STARMOUNT LIFE INSURANCE COMPANY | $5K | — | $5K | 12.98% |
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 | 1,182 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 1,182 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF TEXAS | 1,182 | $6.0M |
| Dental | BLUE CROSS BLUE SHIELD OF TEXAS | 1,182 | $6.0M |
| Vision(2 contracts, 2 carriers) | BLUE CROSS BLUE SHIELD OF TEXAS | 1,182 | $6.0M |
| Life insurance | UNUM LIFE INSURANCE COMPANY OF AMERICA | 990 | $291K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 990 | $291K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 990 | $291K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,182 | — |
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."
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.