| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HEFA OPERATING LLC3 | 101 SUMMIT AVENUE, STE 600 FORT WORTH, TX 76102 | UNITEDHEALTHCARE INSURANCE COMPANY | $0 | $39K | $39K | 2.33% |
| USI INSURANCE SERVICES LLC3 Filed as: USI SOUTHWEST INC | PO BOX 61187 VIRGINIA BEACH, VA 23466 | METROPOLITAN LIFE INSURANCE COMPANY | $10K | $1K | $11K | 9.28% |
| HEFA OPERATING LLC3 | 101 SUMMIT AVENUE, STE 600 FORT WORTH, TX 76102 | METROPOLITAN LIFE INSURANCE COMPANY | $1K | $0 | $1K | 0.88% |
| USI INSURANCE SERVICES LLC3 Filed as: USI SOUTHWEST INC | 9811 KATY FREEWAY, STE 500 HOUSTON, TX 77024 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $11K | $1K | $12K | 16.72% |
| STRATEGIC EMPLOYEE BENEFIT SERVICES3 | 1300 SUMMIT AVENUE, STE 200 FORT WORTH, TX 76102 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $3K | $0 | $3K | 14.91% |
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 | 196 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 198 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 217 | $1.7M |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 373 | $121K |
| Vision | METROPOLITAN LIFE INSURANCE COMPANY | 373 | $121K |
| Life insurance(2 contracts, 2 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 175 | $94K |
| Long-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 175 | $75K |
| Other(2 contracts, 2 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 175 | $94K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 373 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.