| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| USI INSURANCE SERVICES LLC3 Filed as: USI SOUTHWEST, INC. | PO BOX 61187 VIRGINIA BEATH, VA 234661187 | BLUE CROSS BLUE SHIELD OF TEXAS | $260K | $10K | $270K | 1.46% |
| BENEFITS INC3 Filed as: BENEFITS INC. | 9301 SOUTHWEST FWY SUITE 270 HOUSTON, TX 77074 | METROPOLITAN LIFE INSURANCE COMPANY | $41K | $20K | $61K | 4.51% |
| BENEFITS INC3 Filed as: BENEFITS INC. | 9301 SOUTHWEST FWY SUITE 270 HOUSTON, TX 77074 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $70K | $4K | $73K | 10.51% |
| BENEFITS INC3 Filed as: BENEFITS INC. | 9301 SOUTHWEST FWY SUITE 270 HOUSTON, TX 77074 | CIGNA HEALTH & LIFE INSURANCE COMPANY | $38K | $0 | $38K | 8.82% |
| BENEFITS INC3 Filed as: BENEFITS INC. | 9301 SOUTHWEST FWY SUITE 270 HOUSTON, TX 77074 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $30K | $2K | $31K | 10.55% |
| USI INSURANCE SERVICES LLC3 Filed as: USI SOUTHWEST, INC. | PO BOX 61187 VIRGINIA BEACH, VA 234661187 | VISION SERVICE PLAN | $24K | $0 | $24K | 15.00% |
| BENEFITS INC3 Filed as: BENEFITS, INC. | 9301 S W FREEWAY SUITE 270 HOUSTON, TX 77074 | PROVIDENT LIFE & ACCIDENT INSURANCE COMPANY | $12K | $3K | $15K | 25.10% |
| BENEFITS INC3 Filed as: BENEFITS INC. | 9301 SOUTHWEST FWY SUITE 270 HOUSTON, TX 77074 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $3K | $0 | $3K | 8.76% |
| BENEFITS INC3 Filed as: BENEFITS INC. | 9301 SOUTHWEST FWY SUITE 270 HOUSTON, TX 77074 | CIGNA WORLDWIDE INSURANCE COMPANY | $36 | $0 | $36 | 10.03% |
| BENEFITS INC3 Filed as: BENEFITS INC. | 9301 SOUTHWEST FWY SUITE 270 HOUSTON, TX 77074 | CONNECTICUT GENERAL LIFE INSURANCE CO. | $34 | $0 | $34 | 10.06% |
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 | 1,195 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 9 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 16 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,220 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 3 carriers) | BLUE CROSS BLUE SHIELD OF TEXAS | 3,163 | $18.9M |
| Dental(3 contracts, 3 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 2,937 | $1.8M |
| Vision | VISION SERVICE PLAN | 1,213 | $161K |
| Life insurance(2 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 1,223 | $699K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 1,223 | $699K |
| Long-term disability(3 contracts, 3 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 1,223 | $731K |
| Prescription drug | BLUE CROSS BLUE SHIELD OF TEXAS | 3,163 | $18.4M |
| Stop-loss / reinsurancereinsurance | BLUE CROSS BLUE SHIELD OF TEXAS | 3,163 | $18.4M |
| Other(3 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 1,223 | $1.1M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 3,163 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.