| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| USI INSURANCE SERVICES LLC3 Filed as: USI SOUTHWEST, INC. | 4630 NORTH LOOP 1604 WEST SUITE 410 SAN ANTONIO, TX 78249 | BLUE CROSS BLUE SHIELD OF TEXAS | $0 | $7K | $7K | 0.23% |
| USI INSURANCE SERVICES LLC3 Filed as: USI SOUTHWEST, INC. | 7600-B NORTH CAPITAL OF TX HIGHWAY SUITE 200 AUSTIN, TX 78731 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $31K | $4K | $35K | 12.54% |
| USI INSURANCE SERVICES LLC3 Filed as: USI SOUTHWEST, INC. | 9811 KATY FREEWAY, SUITE 500 HOUSTON, TX 77024 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $17K | $2K | $19K | 6.93% |
| TOTAL BENEFIT SOLUTIONS3 | 2527 86TH STREET LUBBOCK, TX 79423 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $11K | $0 | $11K | 4.12% |
| DAVIS ALLEN AGENCY INC3 Filed as: DAVIS ALLEN AGENCY, INC. | 2527 86TH STREET LUBBOCK, TX 79423 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $0 | $651 | $651 | 0.24% |
| USI INSURANCE SERVICES LLC3 Filed as: USI SOUTHWEST, INC. | 9811 KATY FREEWAY, SUITE 500 HOUSTON, TX 77024 | DEARBORN LIFE INSURANCE COMPANY | $4K | $0 | $4K | 9.99% |
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 | 471 | 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) | 471 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF TEXAS | 582 | $3.1M |
| Dental | BLUE CROSS BLUE SHIELD OF TEXAS | 582 | $3.1M |
| Vision | DEARBORN LIFE INSURANCE COMPANY | 286 | $40K |
| Life insurance | UNUM LIFE INSURANCE COMPANY OF AMERICA | 471 | $277K |
| Prescription drug | BLUE CROSS BLUE SHIELD OF TEXAS | 582 | $3.1M |
| Other | UNUM LIFE INSURANCE COMPANY OF AMERICA | 471 | $277K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 582 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.