| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| USI INSURANCE SERVICES LLC3 Filed as: USI SOUTHWEST, INC. | 7600-C NORTH CAPITAL OF TX HIGHWAY SUITE 200 AUSTIN, TX 78731 | BLUECROSS BLUESHIELD OF TEXAS | $41K | $1K | $43K | 4.46% |
| USI INSURANCE SERVICES LLC3 Filed as: USI SOUTHWEST, INC. | 7600-C NORTH CAPITAL OF TX HIGHWAY SUITE 200 AUSTIN, TX 78731 | STARMOUNT LIFE INSURANCE COMPANY | $6K | $3K | $8K | 14.78% |
| USI INSURANCE SERVICES LLC3 Filed as: USI SOUTHWEST, INC. | 7600-C NORTH CAPITAL OF TX HIGHWAY SUITE 200 AUSTIN, TX 78731 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $1K | $25 | $1K | 10.70% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 221 WEST 6TH STREET, SUITE 1980 AUSTIN, TX 78701 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $2 | $0 | $2 | 0.02% |
| PLANSOURCE BENEFIT ADMINISTRATION3 | PO BOX 1313 ORLANDO, FL 32802 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $2 | $0 | $2 | 0.02% |
| GALLAGHER BENEFIT SERVICES, INC.3 | PO BOX 71542 CHICAGO, IL 60694 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $2 | $0 | $2 | 0.02% |
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 | 137 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 138 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUECROSS BLUESHIELD OF TEXAS | 179 | $959K |
| Dental | STARMOUNT LIFE INSURANCE COMPANY | 127 | $56K |
| Vision | STARMOUNT LIFE INSURANCE COMPANY | 127 | $56K |
| Prescription drug | BLUECROSS BLUESHIELD OF TEXAS | 179 | $959K |
| Other | UNUM LIFE INSURANCE COMPANY OF AMERICA | 40 | $10K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 179 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.