| 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 | $24K | $0 | $24K | 3.41% |
| SWBC LIFE INSURANCE AGENCY, INC.3 Filed as: SWBC | UNKNOWN SAN ANTONIO, TX 78218 | BLUE CROSS BLUE SHIELD OF TEXAS | $7K | $0 | $7K | 0.91% |
| FC NO PRODUCER3 | UNKNOWN SAN ANTONIO, TX 78218 | BLUE CROSS BLUE SHIELD OF TEXAS | $3K | $0 | $3K | 0.45% |
| USI INSURANCE SERVICES LLC3 | PO BOX 61187 VIRGINIA BEACH, VA 23466 | METROPOLITAN LIFE INSURANCE COMPANY | $2K | $421 | $3K | 5.25% |
| SWBC LIFE INSURANCE AGENCY, INC.3 Filed as: SWBC | 9311 SAN PEDRO AVENUE, SUITE 550 SAN ANTONIO, TX 78216 | METROPOLITAN LIFE INSURANCE COMPANY | $2K | $15 | $2K | 2.89% |
| USI INSURANCE SERVICES LLC3 | 2375 EAST CAMELBACK ROAD, SUITE 250 PHOENIZ, AZ 85016 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $796 | $0 | $796 | 7.10% |
| SWBC LIFE INSURANCE AGENCY, INC.3 Filed as: SWBC | 9311 SAN PEDRO AVENUE, SUITE 600 SAN ANTONIO, TX 78216 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $238 | $0 | $238 | 2.12% |
| SWBC LIFE INSURANCE AGENCY, INC.3 Filed as: SWBC | 9311 SAN PEDRO AVENUE, SUITE 550 SAN ANTONIO, TX 78216 | AMERICAN HERITAGE LIFE INSURANCE | $1K | $0 | $1K | 16.99% |
| USI INSURANCE SERVICES LLC3 | PO BOX 61187 VIRGINIA BEACH, VA 23466 | AMERICAN HERITAGE LIFE INSURANCE | $71 | $0 | $71 | 1.21% |
| USI INSURANCE SERVICES LLC3 | PO BOX 61187 VIRGINIA BEACH, VA 23466 | SAFEGUARD HEALTH PLANS, INC., A TEXAS CORPORATION | $291 | $36 | $327 | 7.10% |
| SWBC LIFE INSURANCE AGENCY, INC.3 Filed as: SWBC | 9311 SAN PEDRO AVENUE, SUITE 550 SAN ANTONIO, TX 78216 | SAFEGUARD HEALTH PLANS, INC., A TEXAS CORPORATION | $170 | $0 | $170 | 3.69% |
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 | 219 | 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) | 219 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF TEXAS | 110 | $716K |
| Dental(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 219 | $58K |
| Vision | FIDELITY SECURITY LIFE INSURANCE COMPANY | 152 | $11K |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 219 | $53K |
| Short-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 219 | $53K |
| Prescription drug | BLUE CROSS BLUE SHIELD OF TEXAS | 110 | $716K |
| Other(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 219 | $59K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 219 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.