| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| USI INSURANCE SERVICES LLC3 | 2711 NORTH HASKELL AVENUE SUITE 2000 DALLAS, TX 75204 | BLUECROSS BLUESHIELD OF TEXAS | $70K | $3K | $73K | 5.33% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES SOUTHWEST | 9811 KATY FREEWAY, SUITE 500 HOUSTON, TX 77024 | DEARBORN LIFE INSURANCE COMPANY | $18K | $6K | $23K | 19.30% |
| DAVID SCOTT3 | 695 ROADRUNNER TRAIL RIESEL, TX 76682 | AFLAC | $255 | $0 | $255 | 2.20% |
| CHARLES LAWSON & OTHER AGENTS3 | 1919 EASTSIDE LAKE ROAD GRAHAM, TX 76450 | AFLAC | $230 | $0 | $230 | 1.98% |
| MARY CATHERINE WILLIAMS3 Filed as: MARY WILLIAMS | 105 PRIVATE ROAD 3407 BRIDGEPORT, TX 76426 | AFLAC | $194 | $0 | $194 | 1.67% |
| JEREMIAH D SMITH3 Filed as: JEREMIAH SMITH | 209 BARRINGTON LANE LEWISVILLE, TX 75067 | AFLAC | $174 | $0 | $174 | 1.50% |
| T HOWDESHELL3 | 1405 SHANNAN CIRCLE, APARTMENT 103 GRANBURY, TX 76048 | AFLAC | $164 | $0 | $164 | 1.41% |
| CLARIBEL LUPE DELEON3 Filed as: CLARIBEL DELEON | 1109 RUMFIELD ROAD FORT WORTH, TX 76108 | AFLAC | $118 | $0 | $118 | 1.02% |
| VICKIE SUE MASTERS3 Filed as: VICKIE MASTERS | 14012 THEODORA LANE ALEDO, TX 76008 | AFLAC | $62 | $0 | $62 | 0.53% |
| USI INSURANCE SERVICES LLC3 | 2711 NORTH HASKELL AVENUE SUITE 2000 DALLAS, TX 75204 | NEW BENEFITS | $388 | — | $388 | 5.43% |
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 | 128 | 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) | 128 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUECROSS BLUESHIELD OF TEXAS | 154 | $1.4M |
| Dental | BLUECROSS BLUESHIELD OF TEXAS | 154 | $1.4M |
| Vision | DEARBORN LIFE INSURANCE COMPANY | 128 | $121K |
| Life insurance | DEARBORN LIFE INSURANCE COMPANY | 128 | $121K |
| Short-term disability(2 contracts, 2 carriers) | DEARBORN LIFE INSURANCE COMPANY | 128 | $132K |
| Long-term disability | DEARBORN LIFE INSURANCE COMPANY | 128 | $121K |
| Prescription drug | BLUECROSS BLUESHIELD OF TEXAS | 154 | $1.4M |
| Other(3 contracts, 3 carriers) | DEARBORN LIFE INSURANCE COMPANY | 128 | $140K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 154 | — |
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.