| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| USI INSURANCE SERVICES LLC3 Filed as: USI SOUTHWEST INC | — | BLUE CROSS BLUE SHIELD OF TEXAS | $82K | — | $82K | 3.64% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 | 2700 POST OAK BLVD 25TH FLOOR HOUSTON, TX 77056 | BLUE CROSS BLUE SHIELD OF TEXAS | $14K | — | $14K | 0.60% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | — | BLUE CROSS BLUE SHIELD OF TEXAS | — | $2K | $2K | 0.08% |
| USI INSURANCE SERVICES LLC3 Filed as: USI SOUTHWEST INC | 7600B N CAPITAL OF TEXAS HWY STE 200 AUSTIN, TX 78731 | AMERITAS LIFE INSURANCE CORPORATION | $12K | — | $12K | 9.06% |
| USI INSURANCE SERVICES LLC3 Filed as: USI SOUTHWEST INC | 9811 KATY FWY STE 500 HOUSTON, TX 77024 | AMERITAS LIFE INSURANCE CORPORATION | — | $6K | $6K | 4.58% |
| EDGWOOD PARTNERS INSURANCE CENTER3 | 2700 POST OAK BLVD STE 2500 HOUSTON, TX 77056 | AMERITAS LIFE INSURANCE CORPORATION | $1K | — | $1K | 0.94% |
| USI INSURANCE SERVICES LLC3 Filed as: USI SOUTHWEST INC | AUSTIN OPCO PO BOX 61187 VIRGINIA BEACH, VA 23466 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $5K | $3K | $8K | 11.91% |
| USI INSURANCE SERVICES LLC3 Filed as: USI SOUTHWEST, INC. | HOUSTON OPCO PO BOX 61187 VIRGINIA BEACH, VA 23466 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $3K | — | $3K | 4.89% |
| ASCENDE, INC.3 | 2700 POST OAK BLVD FL 25 HOUSTON, TX 77056 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | — | $2K | 2.49% |
| USI INSURANCE SERVICES LLC3 Filed as: USI SOUTHWEST INC | AUSTIN OPCO PO BOX 61187 VIRGINIA BEACH, VA 23466 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $5K | $3K | $8K | 11.62% |
| USI INSURANCE SERVICES LLC3 Filed as: USI SOUTHWEST, INC. | HOUSTON OPCO PO BOX 61187 VIRGINIA BEACH, VA 23466 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $3K | — | $3K | 5.25% |
| ASCENDE, INC.3 | 2700 POST OAK BLVD FL 25 HOUSTON, TX 77056 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | — | $2K | 2.63% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER VOLUNTARY BNFTS LLC | PO BOX 71542 CHICAGO, IL 60695 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $4K | — | $4K | 6.06% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BNFT SVCS INC | 221 W 6TH STREET SUITE 1980 AUSTIN, TX 78701 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $2K | — | $2K | 3.44% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | PO BOX 3009 ARLINGTON HEIGHTS, IL 60006 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $1K | — | $1K | 1.90% |
| USI INSURANCE SERVICES LLC3 Filed as: USI SOUTHWEST INC. | 2711 N HASKELL AVE SUITE 2000 D DALLAS, TX 75204 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $836 | — | $836 | 1.37% |
| URBANO VILLAGRAN JR3 | 434 CARMEL PKWY CORPUS CHRISTI, TX 78411 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $466 | — | $466 | 0.77% |
| USI INSURANCE SERVICES LLC3 Filed as: USI SOUTHWEST | — | ACE AMERICAN INSURANCE COMPANY | $2K | — | $2K | 6.19% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 | — | ACE AMERICAN INSURANCE COMPANY | $405 | — | $405 | 1.13% |
| USI INSURANCE SERVICES LLC3 Filed as: USI SOUTHWEST INC | AUSTIN OPCO PO BOX 61187 VIRGINIA BEACH, VA 23466 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | $1K | $3K | 11.01% |
| USI INSURANCE SERVICES LLC3 Filed as: USI SOUTHWEST, INC. | HOUSTON OPCO PO BOX 61187 VIRGINIA BEACH, VA 23466 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | — | $2K | 5.26% |
| ASCENDE, INC.3 | 2700 POST OAK BLVD FL 25 HOUSTON, TX 77056 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $827 | — | $827 | 2.78% |
| USI INSURANCE SERVICES LLC3 Filed as: USI SOUTHWEST INC | AUSTIN OPCO PO BOX 61187 VIRGINIA BEACH, VA 23466 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | $1K | $3K | 12.32% |
| USI INSURANCE SERVICES LLC3 Filed as: USI SOUTHWEST, INC. | HOUSTON OPCO PO BOX 61187 VIRGINIA BEACH, VA 23466 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $1K | — | $1K | 4.95% |
| ASCENDE, INC.3 | 2700 POST OAK BLVD FL 25 HOUSTON, TX 77056 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $542 | — | $542 | 2.60% |
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 | 355 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 5 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 360 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF TEXAS | 448 | $2.2M |
| Dental | AMERITAS LIFE INSURANCE CORPORATION | 545 | $128K |
| Vision | ACE AMERICAN INSURANCE COMPANY | 230 | $36K |
| Life insurance(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 355 | $91K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 120 | $30K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 355 | $66K |
| Prescription drug | BLUE CROSS BLUE SHIELD OF TEXAS | 448 | $2.2M |
| Other(3 contracts, 2 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 355 | $152K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 545 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.