| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GALLAGHER BENEFIT SERVICES, INC.3 | UNKNOWN ROUND ROCK, TX 78664 | BLUE CROSS BLUE SHIELD OF TEXAS | $80K | $2K | $82K | 3.74% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES, LLC | UNKNOWN ROUND ROCK, TX 78664 | BLUE CROSS BLUE SHIELD OF TEXAS | $7K | $0 | $7K | 0.33% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES, LLC | PO BOX 61187 VIRGINIA BEACH, VA 23466 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $22K | $0 | $22K | 13.12% |
| USI INSURANCE SERVICES LLC3 Filed as: USI SOUTHWEST INC. | PO BOX 61187 VIRGINIA BEACH, VA 23466 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $3K | $0 | $3K | 1.88% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 221 WEST 6TH STREET, SUITE 1980 AUSTIN, TX 78701 | AMERITAS LIFE INSURANCE CORPORATION | $11K | $0 | $11K | 7.72% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES, LLC | 7600B NORTH CAPITAL OF TX HWY. SUITE 200 AUSTIN, TX 78731 | AMERITAS LIFE INSURANCE CORPORATION | $3K | $0 | $3K | 2.28% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 50 BRAINTREE HILL, SUITE 310 BRAINTREE, MA 02184 | AMERITAS LIFE INSURANCE CORPORATION | $0 | $1K | $1K | 0.90% |
| GALLAGHER BENEFIT SERVICES, INC.3 | PO BOX 71542 CHICAGO, IL 60694 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $7K | $0 | $7K | 9.84% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 221 WEST 6TH STREET, SUITE 1980 AUSTIN, TX 78701 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $5K | $0 | $5K | 7.13% |
| GALLAGHER BENEFIT SERVICES, INC.3 | PO BOX 3009 ARLINGTON HEIGHTS, IL 60006 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $1K | $0 | $1K | 1.98% |
| URBANO VILLAGRAN JR3 Filed as: URBANO VILLIGRAN JR. | 434 CARMEL PARKWAY CORPUS CHRISTIE, TX 78411 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $529 | $0 | $529 | 0.79% |
| GALLAGHER BENEFIT SERVICES, INC.3 | UNKNOWN ROUND ROCK, TX 78664 | ACE AMERICAN INSURANCE COMPANY | $1K | $0 | $1K | 4.54% |
| USI INSURANCE SERVICES LLC3 Filed as: USI SOUTHWEST | UNKNOWN ROUND ROCK, TX 78664 | ACE AMERICAN INSURANCE COMPANY | $467 | $0 | $467 | 1.46% |
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 | 349 | 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) | 349 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF TEXAS | 396 | $2.2M |
| Dental | AMERITAS LIFE INSURANCE CORPORATION | 495 | $140K |
| Vision | ACE AMERICAN INSURANCE COMPANY | 195 | $32K |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 349 | $171K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 349 | $171K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 349 | $171K |
| Prescription drug | BLUE CROSS BLUE SHIELD OF TEXAS | 396 | $2.2M |
| Other(2 contracts, 2 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 349 | $238K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 495 | — |
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."
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.