| 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 | $117K | $0 | $117K | 7.61% |
| USI INSURANCE SERVICES LLC3 | PO BOX 61187 VIRGINIA BEACH, VA 23466 | METROPOLITAN LIFE INSURANCE COMPANY | $27K | $3K | $30K | 16.05% |
| LESLIE PAIGE SMITH3 | 5209 41ST STREET LUBBOCK, TX 79414 | AFLAC | $3K | $106 | $4K | 7.59% |
| L CARTHEL ENTERPRISE INC3 Filed as: CARTHEL ENTERPRISES & OTHER AGENT | 4002 92ND STREET LUBBOCK, TX 79423 | AFLAC | $2K | $45 | $2K | 4.38% |
| CODY VARNELL3 | 745 JOE ROSALES COURT WOLFFORTH, TX 79382 | AFLAC | $879 | $7 | $886 | 1.89% |
| MICHAEL W JOINER3 Filed as: MICHAEL W. JOINER | 6308 IOLA AVENUE, UNIT 102 LUBBOCK, TX 79424 | AFLAC | $632 | $27 | $659 | 1.41% |
| USI INSURANCE SERVICES LLC3 | 4605 COLUMBUS STREET VIRGINIA BEACH, VA 23462 | AFLAC | $646 | $0 | $646 | 1.38% |
| CAREY MCCARTY SELF3 | 3203 77TH STREET LUBBOCK, TX 79423 | AFLAC | $513 | $0 | $513 | 1.10% |
| LUCRETIA ANN HICKSON3 | 3412 74TH STREET LUBBOCK, TX 79423 | AFLAC | $462 | $0 | $462 | 0.99% |
| USI INSURANCE SERVICES LLC3 | PO BOX 61187 VIRGINIA BEACH, VA 23466 | HY HOLDINGS DBA HEALTHIEST YOU | $4K | $0 | $4K | 15.00% |
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 | 191 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 4 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 5 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 200 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | BLUECROSS BLUESHIELD OF TEXAS | 353 | $1.6M |
| Dental | BLUECROSS BLUESHIELD OF TEXAS | 353 | $1.5M |
| Vision | METROPOLITAN LIFE INSURANCE COMPANY | 564 | $187K |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 564 | $187K |
| Short-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 564 | $187K |
| Long-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 564 | $187K |
| Prescription drug | BLUECROSS BLUESHIELD OF TEXAS | 353 | $1.5M |
| Other(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 564 | $234K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 564 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
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.