| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| USI INSURANCE SERVICES LLC3 Filed as: USI SOUTHWEST, INC | P.O. BOX 61187 VIRGINIA BEACH, VA 234661187 | BLUECROSS BLUESHIELD OF TEXAS | $191K | $7K | $198K | 1.21% |
| WORTHAM SAN ANTONIO INC3 Filed as: JOHN L WORTHAM AND SON LP | PO BOX 1388 HOUSTON, TX 77251 | STANDARD INSURANCE COMPANY | $17K | — | $17K | 2.03% |
| USI INSURANCE SERVICES LLC3 Filed as: USI SOUTHWEST INC. | PO BOX 61187 VIRGINIA BEACH, VA 23466 | STANDARD INSURANCE COMPANY | $8K | — | $8K | 0.97% |
| WORTHAM SAN ANTONIO INC3 Filed as: JOHN L WORTHAM AND SON, LP | PO BOX 1388 HOUSTON, TX 77251 | STANDARD INSURANCE COMPANY | $32K | — | $32K | 7.63% |
| USI INSURANCE SERVICES LLC3 Filed as: USI SOUTHWEST INC. | PO BOX 61187 VIRGINIA BEACH, VA 23466 | STANDARD INSURANCE COMPANY | $10K | — | $10K | 2.40% |
| BENEFITS INC3 Filed as: BENEFITS INC. | PO BOX 18433 SUGAR LAND, TX 77496 | STANDARD INSURANCE COMPANY | -$153 | — | -$153 | -0.04% |
| WORTHAM SAN ANTONIO INC3 Filed as: JOHN L WORTHAM AND SON LP | PO BOX 1388 HOUSTON, TX 77251 | STANDARD INSURANCE COMPANY | $25K | — | $25K | 7.57% |
| USI INSURANCE SERVICES LLC3 Filed as: USI SOUTHWEST INC. | PO BOX 61187 VIRGINIA BEACH, VA 23466 | STANDARD INSURANCE COMPANY | $8K | — | $8K | 2.43% |
| BENEFITS INC3 Filed as: BENEFITS INC. | PO BOX 18433 SUGAR LAND, TX 77496 | STANDARD INSURANCE COMPANY | $4 | — | $4 | 0.00% |
| WORTHAM SAN ANTONIO INC3 Filed as: JOHN L WORTHAM & SON LP | PO BOX 1388 HOUSTON, TX 77251 | STANDARD INSURANCE COMPANY | $14K | — | $14K | 8.11% |
| USI INSURANCE SERVICES LLC3 Filed as: USI SOUTHWEST INC. | PO BOX 61187 VIRGINIA BEACH, VA 23466 | STANDARD INSURANCE COMPANY | $4K | — | $4K | 2.55% |
| BENEFITS INC3 Filed as: BENEFITS INC. | PO BOX 18433 SUGAR LAND, TX 77496 | STANDARD INSURANCE COMPANY | -$1K | — | -$1K | -0.66% |
| USI INSURANCE SERVICES LLC3 Filed as: USI SOUTHWEST, INC. | 9811 KATY FREEWAY SUITE 500 HOUSTON, TX 77024 | VISION SERVICE PLAN | $21K | — | $21K | 15.00% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH USA | PO BOX 301598 DALLAS, TX 75303 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $6K | $184 | $6K | 14.17% |
| WORTHAM SAN ANTONIO INC3 Filed as: JOHN L WORTHAM & SON LLP | PO BOX 301598 DALLAS, TX 75303 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $790 | $313 | $1K | 32.23% |
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 | 943 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 26 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 14 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 983 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUECROSS BLUESHIELD OF TEXAS | 2,548 | $16.3M |
| Dental | STANDARD INSURANCE COMPANY | 943 | $852K |
| Vision | VISION SERVICE PLAN | 970 | $137K |
| Life insurance | STANDARD INSURANCE COMPANY | 1,018 | $424K |
| Short-term disability | STANDARD INSURANCE COMPANY | 787 | $174K |
| Long-term disability(3 contracts, 2 carriers) | STANDARD INSURANCE COMPANY | 1,005 | $371K |
| Prescription drug | BLUECROSS BLUESHIELD OF TEXAS | 2,548 | $16.3M |
| Stop-loss / reinsurancereinsurance | BLUECROSS BLUESHIELD OF TEXAS | 2,548 | $16.3M |
| Other | STANDARD INSURANCE COMPANY | 1,018 | $424K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,548 | — |
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.