| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| USI INSURANCE SERVICES LLC3 Filed as: USI SOUTHWEST INC | 2711 HASKELL AVE STE 2000 DALLAS, TX 75204 | BLUECROSS BLUESHIELD OF TEXAS | $46K | — | $46K | 1.04% |
| GOLDSTEIN & ASSOCIATES LLC3 | 1170 S GAYLORD ST DENVER, CO 80210 | BLUECROSS BLUESHIELD OF TEXAS | $40K | — | $40K | 0.91% |
| PHIL GOLDSTEIN3 | 1170 S GAYLORD ST DENVER, CO 80210 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $15K | — | $15K | 9.92% |
| USI INSURANCE SERVICES LLC3 Filed as: USI SOUTHWEST INC | PO BOX 61187 VIRGINIA BEACH, VA 23466 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $10K | — | $10K | 14.34% |
| GOLDSTEIN & ASSOCIATES LLC3 | 2 WEST DRY CREEK CIRCLE SUITE 100 LITTLETON, CO 80120 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $6K | — | $6K | 7.76% |
| USI INSURANCE SERVICES LLC3 Filed as: USI SW, INC. - DALLAS | PO BOX 61187 VIRGINIA BEACH, VA 23466 | UNUM LIFE INSURANCE COMPANY OF AMERICA | — | $2K | $2K | 2.47% |
| USI INSURANCE SERVICES LLC3 Filed as: USI SOUTHWEST INC | PO BOX 61187 VIRGINIA BEACH, VA 23466 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $7K | — | $7K | 11.79% |
| GOLDSTEIN & ASSOCIATES LLC3 | 2 WEST DRY CREEK CIRCLE SUITE 100 LITTLETON, CO 80120 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $4K | — | $4K | 6.28% |
| USI INSURANCE SERVICES LLC3 Filed as: USI SW, INC. - DALLAS | PO BOX 61187 VIRGINIA BEACH, VA 23466 | UNUM LIFE INSURANCE COMPANY OF AMERICA | — | $2K | $2K | 3.63% |
| PHIL GOLDSTEIN3 | 1170 S GAYLORD ST DENVER, CO 80210 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $3K | — | $3K | 9.87% |
| GOLDSTEIN & ASSOCIATES LLC3 Filed as: GOLDSTEIN, PHIL K | 1170 S GAYLORD STREET DENVER, CO 80210 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $1K | — | $1K | 7.19% |
| USI INSURANCE SERVICES LLC3 Filed as: USI SOUTHWEST INC | PO BOX 61187 VIRGINIA BEACH, VA 23466 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $833 | — | $833 | 4.79% |
| USI INSURANCE SERVICES LLC3 Filed as: USI SW, INC. - DALLAS | PO BOX 61187 VIRGINIA BEACH, VA 23466 | UNUM LIFE INSURANCE COMPANY OF AMERICA | — | $346 | $346 | 1.99% |
| PHIL GOLDSTEIN3 | 1170 S GAYLORD ST DENVER, CO 80210 | CIGNA DENTAL HEALTH OF TEXAS, INC. | $2K | — | $2K | 10.00% |
| BRIAN COHEN3 | 6804 N CPTL TX HWY APT 221 AUSTIN, TX 78731 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $45 | — | $45 | 5.53% |
| MPART BENEFITS INC3 | 100 ALBRIGHT LN PROSPER, TX 75078 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $6 | — | $6 | 0.74% |
| PHIL GOLDSTEIN3 | PO BOX 101586 DENVER, CO 80250 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $5 | — | $5 | 0.61% |
| ANNALEE AHRENS3 | 4911 HOLLY TREE DR DALLAS, TX 75287 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2 | — | $2 | 0.25% |
| PHIL GOLDSTEIN3 | 1170 S GAYLORD ST DENVER, CO 80210 | CIGNA DENTAL HEALTH OF TEXAS, INC | $79 | — | $79 | 9.94% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| UNUM LIFE INSURANCE COMPANY EIN 01-0278678 NONE | Contract Administrator Service code 13 | — | $12K |
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 | 308 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 308 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | BLUECROSS BLUESHIELD OF TEXAS | 571 | $4.4M |
| Dental(4 contracts, 2 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 208 | $206K |
| Vision(2 contracts) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 208 | $189K |
| Life insurance(3 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 443 | $149K |
| Short-term disability(2 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 1 | $18K |
| Long-term disability(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 443 | $77K |
| Other(4 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 443 | $149K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 571 | — |
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.
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.