| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| USI INSURANCE SERVICES LLC3 Filed as: USI SOUTHWEST, INC. | 7600 BN CAPITAL OF TX HWY, STE. 200 AUSTIN, TX 78731 | BLUE CROSS BLUE SHIELD OF TEXAS | $58K | $3K | $61K | 2.59% |
| CLINT S. FISH3 | 1802 W. 17TH ST., STE 1 BLOOMINGTON, IN 47404 | STANDARD INSURANCE COMPANY | $4K | — | $4K | 9.35% |
| USI INSURANCE SERVICES LLC3 | — | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | — | $7K | $7K | 27.16% |
| USI INSURANCE SERVICES LLC3 Filed as: USI SOUTHWEST INC. | 200 SUMMIT LAKE DRIVE, SUITE 350 VALHALLA, NY 10595 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $4K | — | $4K | 13.26% |
| USI INSURANCE SERVICES LLC3 Filed as: BAL PARTNERS OF TEXAS DBA USI | 1445 ROSS AVENUE, SUITE 4200 DALLAS, TX 75202 | SUPERIOR VISION PLAN OF TEXAS | $3K | — | $3K | 13.07% |
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 | 259 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 259 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF TEXAS | 530 | $2.3M |
| Dental | BLUE CROSS BLUE SHIELD OF TEXAS | 530 | $2.3M |
| Vision | SUPERIOR VISION PLAN OF TEXAS | 429 | $22K |
| Life insurance | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 246 | $27K |
| Long-term disability | STANDARD INSURANCE COMPANY | 262 | $42K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 530 | — |
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."
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.