| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| USI INSURANCE SERVICES LLC3 Filed as: USI SOUTHWEST, INC. | 9811 KATY FREEWAY, SUITE 500 HOUSTON, TX 77024 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $19K | $3K | $22K | 17.31% |
| USI INSURANCE SERVICES LLC3 Filed as: USI SOUTHWEST, INC. | 9811 KATY FREEWAY HOUSTON, TX 77024 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $4K | $2 | $4K | 6.96% |
| DARIN POTTS3 | 510 BERING DRIVE HOUSTON, TX 77057 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $2K | $45 | $2K | 3.38% |
| HOWARD HOROWITZ3 | 2610 ALCOTT STREET CARMEL, IN 46032 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $77 | $0 | $77 | 0.14% |
| DONALD GRANT JAMES3 Filed as: DONALD G. JAMES AND OTHER AGENTS | 2706 TAMPA STREET FRIENDSWOOD, TX 77546 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $74 | $2 | $76 | 0.13% |
| LAURIE J BURNS3 Filed as: LAURIE J. BURNS | 303 PYLER ROAD INDIAN TRAIL, NC 28079 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $45 | $0 | $45 | 0.08% |
| TIMOTHY J REED3 Filed as: TIMOTHY J. REED | 21 AZALEA DRIVE LUMBERTON, NJ 08048 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $38 | $0 | $38 | 0.07% |
| ALLYN INCORPORATED3 | 14813 SEMINOLE TRAIL SIMINOLE, FL 33776 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $21 | $0 | $21 | 0.04% |
| USI INSURANCE SERVICES LLC3 Filed as: USI SOUTHWEST, INC. | 9811 KATY FREEWAY HOUSTON, TX 77024 | NATIONAL GUARDIAN LIFE INSURANCE COMPANY | $4K | $0 | $4K | 10.05% |
| USI INSURANCE SERVICES LLC3 Filed as: USI SOUTHWEST, INC. | 840 GESSNER ROAD, SUITE 600 HOUSTON, TX 77024 | HARTFORD LIFE AND ACCIDENT | $1K | $0 | $1K | 15.00% |
| USI INSURANCE SERVICES LLC3 Filed as: USI SOUTHWEST, INC. | 9811 KATY FREEWAY HOUSTON, TX 77024 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $442 | $0 | $442 | 9.60% |
| DARIN POTTS3 | 510 BERING DRIVE HOUSTON, TX 77057 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $177 | $0 | $177 | 3.84% |
| TROY J PALMER3 | 15534 CLOVER RIDGE SAN ANTONIO, TX 78248 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $12 | $0 | $12 | 0.26% |
| BILLY MARK ROBERSON3 | 17415 SHADY CANYON SAN ANTONIO, TX 78248 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $12 | $0 | $12 | 0.26% |
| OMAR MENDOZA3 | 26326 ROCKWALL PARKWAY NEW BRAUNFELS, TX 78132 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $11 | $0 | $11 | 0.24% |
| KELLY MELISSA RUSHING3 | 725 RIVER BLUFF DRIVE LYTLE, TX 78052 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $4 | $0 | $4 | 0.09% |
| GARY P QUANDT4 | 3206 YORKTOWN DRIVE SAN ANTONIO, TX 78230 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $1 | $0 | $1 | 0.02% |
| USI INSURANCE SERVICES LLC3 Filed as: USI SOUTHWEST, INC. | 9811 KATY FREEWAY HOUSTON, TX 77024 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $65 | $0 | $65 | 11.02% |
| DARIN POTTS3 | 510 BERING DRIVE HOUSTON, TX 77057 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $25 | $0 | $25 | 4.24% |
| NATALIE JONES TELTOW3 | 1742 WICKHAM REACH DRIVE SPRING, TX 77386 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $12 | $0 | $12 | 2.03% |
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 | 293 | 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) | 293 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | NATIONAL GUARDIAN LIFE INSURANCE COMPANY | 658 | $38K |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 293 | $125K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 293 | $125K |
| Other(4 contracts, 3 carriers) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 293 | $190K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 658 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.