| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL TEXAS, INC. | UNKNOWN LONGVIEW, TX 75601 | BLUECROSS BLUESHIELD OF TEXAS | $23K | $12K | $36K | 1.70% |
| USI INSURANCE SERVICES LLC3 Filed as: USI SOUTHWEST, INC. | 2711 NORTH HASKELL AVENUE SUITE 2000 DALLAS, TX 75204 | BLUECROSS BLUESHIELD OF TEXAS | $17K | $0 | $17K | 0.82% |
| USI INSURANCE SERVICES LLC3 | PO BOX 61187 VIRGINIA BEACH, VA 23466 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $6K | $8K | $14K | 14.32% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL TEXAS, INC. | 10000 NORTH CENTRAL EXPRESSWAY SUITE 1200 DALLAS, TX 75231 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $8K | $0 | $8K | 8.82% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL TEXAS, INC. | 601 NORTH MESA STREET, SUITE 1550 EL PASO, TX 79901 | SUPERIOR VISION PLAN OF TEXAS | $719 | $0 | $719 | 3.73% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL TEXAS, INC. | 201 EAST MAIN STREET EL PASO, TX 79901 | SUPERIOR VISION PLAN OF TEXAS | $344 | $0 | $344 | 1.78% |
| USI INSURANCE SERVICES LLC3 | PO BOX 61187 VIRGINIA BEACH, VA 23466 | SUPERIOR VISION PLAN OF TEXAS | $183 | $0 | $183 | 0.95% |
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 | 162 | 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) | 162 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUECROSS BLUESHIELD OF TEXAS | 301 | $2.1M |
| Vision | SUPERIOR VISION PLAN OF TEXAS | 113 | $19K |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 162 | $95K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 162 | $95K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 162 | $95K |
| Prescription drug | BLUECROSS BLUESHIELD OF TEXAS | 301 | $2.1M |
| Other | UNITED OF OMAHA LIFE INSURANCE COMPANY | 162 | $95K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 301 | — |
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.
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.