| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES SOUTHWEST | 9811 KATY FREEWAY, SUITE 500 HOUSTON, TX 77024 | BLUECROSS BLUESHIELD OF TEXAS | $64K | $3K | $67K | 5.24% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES SOUTHWEST | 9811 KATY FREEWAY, SUITE 500 HOUSTON, TX 77024 | DEARBORN LIFE INSURANCE COMPANY | $17K | $6K | $22K | 19.59% |
| DAVID W SCOTT3 Filed as: DAVID W. SCOTT | 695 ROADRUNNER TRAIL RIESEL, TX 76682 | AFLAC | $275 | $12 | $287 | 2.35% |
| T ALLEN HOWDESHELL3 Filed as: T. ALLEN HOWDESHELL | 1405 SHANNAN CIRCLE, APARTMENT 103 GRANBURY, TX 76048 | AFLAC | $198 | $27 | $225 | 1.84% |
| MJ INSURANCE3 Filed as: JANIE REYES & OTHER VARIOUS AGENTS | 5713 HOBART STREET FORT WORTH, TX 76134 | AFLAC | $196 | $0 | $196 | 1.60% |
| MARY L WILLIAMS3 Filed as: MARY L. WILLIAMS | 105 PRIVATE ROAD 3407 BRIDGEPORT, TX 76426 | AFLAC | $179 | $5 | $184 | 1.51% |
| JEREMIAH D SMITH3 Filed as: JEREMIAH D. SMITH | 209 BARRINGTON LANE LEWISVILLE, TX 75067 | AFLAC | $183 | $0 | $183 | 1.50% |
| CLARIBEL LUPE DELEON3 | 1109 RUMFIELD ROAD FORT WORTH, TX 76108 | AFLAC | $131 | $5 | $136 | 1.11% |
| VICKIE SUE MASTERS3 | 14012 THEODORA LANE ALEDO, TX 76008 | AFLAC | $64 | $0 | $64 | 0.52% |
| UNKNOWN3 | UNKNOWN GRAHAM, TX 76450 | NEW BENEFITS LTD | $377 | $0 | $377 | 5.45% |
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 | 123 | 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) | 123 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUECROSS BLUESHIELD OF TEXAS | 147 | $1.3M |
| Dental | BLUECROSS BLUESHIELD OF TEXAS | 147 | $1.3M |
| Vision | DEARBORN LIFE INSURANCE COMPANY | 123 | $114K |
| Life insurance | DEARBORN LIFE INSURANCE COMPANY | 123 | $114K |
| Short-term disability(2 contracts, 2 carriers) | DEARBORN LIFE INSURANCE COMPANY | 123 | $126K |
| Long-term disability | DEARBORN LIFE INSURANCE COMPANY | 123 | $114K |
| Prescription drug | BLUECROSS BLUESHIELD OF TEXAS | 147 | $1.3M |
| Other(3 contracts, 3 carriers) | DEARBORN LIFE INSURANCE COMPANY | 123 | $133K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 147 | — |
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.