| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| USI INSURANCE SERVICES LLC3 Filed as: USI SOUTHWEST, INC. | 4630 NORTH 1604 WEST, SUITE 410 SAN ANTONIO, TX 78249 | BLUE CROSS BLUE SHIELD OF TEXAS | $0 | $8K | $8K | 0.25% |
| TOTAL BENEFIT SOLUTIONS3 | 7412 UNIVERSITY AVENUE, UNIT 1 LUBBOCK, TX 79423 | TRUSTMARK INSURANCE COMPANY | $20K | $0 | $20K | 10.89% |
| TOTAL BENEFIT SOLUTIONS3 | 7412 UNIVERSITY AVENUE, SUITE 1 LUBBOCK, TX 79423 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $25K | $0 | $25K | 19.04% |
| USI INSURANCE SERVICES LLC3 | PO BOX 61187 VIRGINIA BEACH, VA 61187 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $11K | $871 | $12K | 8.82% |
| DAVIS ALLEN AGENCY INC3 Filed as: DAVIS ALLEN AGENCY INC. | 7412 UNIVERSITY AVENUE, UNIT 1 LUBBOCK, TX 79423 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $0 | $2K | $2K | 1.39% |
| USI INSURANCE SERVICES LLC3 Filed as: USI SOUTHWEST, INC. | 9811 KATY FREEWAY, SUITE 500 HOUSTON, TX 77024 | DEARBORN NATIONAL LIFE INSURANCE COMPANY | $3K | $893 | $4K | 12.62% |
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 | 295 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 295 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF TEXAS | 551 | $3.1M |
| Dental | BLUE CROSS BLUE SHIELD OF TEXAS | 551 | $3.1M |
| Vision | DEARBORN NATIONAL LIFE INSURANCE COMPANY | 228 | $34K |
| Life insurance | TRUSTMARK INSURANCE COMPANY | 84 | $183K |
| Prescription drug | BLUE CROSS BLUE SHIELD OF TEXAS | 551 | $3.1M |
| Other | UNUM LIFE INSURANCE COMPANY OF AMERICA | 450 | $131K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 551 | — |
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.