| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| USI INSURANCE SERVICES LLC3 Filed as: USI SOUTHWEST, INC. | UNKNOWN WOLFFORTH, TX 79382 | BLUECROSS BLUESHIELD OF TEXAS | $82K | $7K | $89K | 6.10% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES, INC | 6102 82ND STREET, BUILDING 6 LUBBOCK, TX 79424 | BLUECROSS BLUESHIELD OF TEXAS | $27K | $0 | $27K | 1.86% |
| USI INSURANCE SERVICES LLC3 Filed as: USI SOUTHWEST, INC. | PO BOX 61187 VIRGINIA BEACH, VA 23466 | METROPOLITAN LIFE INSURANCE COMPANY | $21K | $244 | $21K | 12.06% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 5312 114TH STREET LUBBOCK, TX 79424 | METROPOLITAN LIFE INSURANCE COMPANY | $4K | $54 | $4K | 2.47% |
| GALLAGHER BENEFIT SERVICES, INC.3 | PO BOX 3009 ARLINGTON HEIGHTS, IL 60006 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $375 | $375 | 0.21% |
| GALLAGHER BENEFIT SERVICES, INC.3 | PO BOX 95287 CHICAGO, IL 60694 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $1 | $1 | 0.00% |
| USI INSURANCE SERVICES LLC3 Filed as: USI SOUTHWEST, INC. | 9811 KATY FREEWAY, SUITE 500 HOUSTON, TX 77024 | CONTINENTAL AMERICAN INSURANCE COMPANY | $9K | $0 | $9K | 29.09% |
| CODY DALE VARNELL3 Filed as: CODY D. VARNELL | 5107 JARVIS LUBBOCK, TX 79416 | CONTINENTAL AMERICAN INSURANCE COMPANY | $5K | $0 | $5K | 16.63% |
| JEFFREY M SATTERLEE3 Filed as: JEFFREY M. SATTERLEE | 100 SUN AVENUE NORTHEAST, SUITE 650 ALBUQUERQUE, NM 87109 | CONTINENTAL AMERICAN INSURANCE COMPANY | $502 | $0 | $502 | 1.71% |
| MICHAEL W JOINER3 Filed as: MICHAEL W. JOINER | 3304 COUNTY ROAD 7545 LUBBOCK, TX 79423 | CONTINENTAL AMERICAN INSURANCE COMPANY | $303 | $0 | $303 | 1.03% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE | PO BOX 61187 VIRGINIA BEACH, VA 23466 | HY HOLDINGS DBA HEALTHIEST YOU | $2K | $0 | $2K | 10.00% |
| GALLAGHER BENEFIT SERVICES, INC.3 | TWO PIERCE PLACE, SUITE 100 ITASCA, IL 60143 | HY HOLDINGS DBA HEALTHIEST YOU | $789 | $0 | $789 | 5.00% |
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 | 186 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 3 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 5 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 194 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | BLUECROSS BLUESHIELD OF TEXAS | 348 | $1.5M |
| Dental | BLUECROSS BLUESHIELD OF TEXAS | 348 | $1.5M |
| Vision | METROPOLITAN LIFE INSURANCE COMPANY | 546 | $176K |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 546 | $176K |
| Short-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 546 | $176K |
| Long-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 546 | $176K |
| Prescription drug | BLUECROSS BLUESHIELD OF TEXAS | 348 | $1.5M |
| Other(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 546 | $206K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 546 | — |
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.