| 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 | $104K | — | $104K | 2.40% |
| MS BENEFITS3 | 100 CHALLENGER ROAD SUITE 400 RIDGEFIELD PARK, NJ 07660 | HARTFORD LIFE AND ACCIDENT | $28K | — | $28K | 16.11% |
| USI INSURANCE SERVICES LLC3 | 601 UNION STREET SUITE 1000 SEATTLE, WA 98101 | HARTFORD LIFE AND ACCIDENT | — | $13K | $13K | 7.26% |
| USI INSURANCE SERVICES LLC3 Filed as: USI SOUTHWEST, INC | PO BOX 61187 VIRGINIA BEACH, VA 23466 | HARTFORD LIFE AND ACCIDENT | $12K | — | $12K | 6.90% |
| USI INSURANCE SERVICES LLC3 Filed as: USI SOUTHWEST INC TX | 9811 KATY FREEWAY SUITE 500 HOUSTON, TX 77024 | DEARBORN LIFE INSURANCE COMPANY | $3K | — | $3K | 9.99% |
| PHIL GOLDSTEIN3 | 2 W DRY CREEK CIR #100 LITTLETON, CO 80120 | AMERICAN FIDELITY ASSURANCE COMPANY | $306 | — | $306 | 3.30% |
| KENNETH HOLMES3 | 1971 W MEAD CT CHANDLER, AZ 85248 | AMERICAN FIDELITY ASSURANCE COMPANY | $136 | — | $136 | 1.47% |
| WM RIGG CO3 Filed as: RIGG LIFE AGENCY INC | 700 N PEARL ST #N1700 DALLAS, TX 75201 | AMERICAN FIDELITY ASSURANCE COMPANY | $102 | — | $102 | 1.10% |
| DONNIE STONE3 | PO BOX 622 WINNSBORO, TX 75494 | AMERICAN FIDELITY ASSURANCE COMPANY | $40 | — | $40 | 0.43% |
| FRANKLIN K. LAGEMANN3 Filed as: FRANKLIN K LAGEMANN | 265 WINDOVER GROVE MEMPHIS, TN 38111 | AMERICAN FIDELITY ASSURANCE COMPANY | $31 | — | $31 | 0.33% |
| BRIAN COHEN3 | 6804 N CPTL TX HWY APT 221 AUSTIN, TX 78731 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $41 | — | $41 | 5.04% |
| PHIL GOLDSTEIN3 | 1170 S GAYLORD STREET DENVER, CO 80210 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $16 | — | $16 | 1.97% |
| MPART BENEFITS INC3 | 100 ALBRIGHT LN PROSPER, TX 75078 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $4 | — | $4 | 0.49% |
| ANNALEE AHRENS3 | 4911 HOLLY TREE DR DALLAS, TX 75287 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2 | — | $2 | 0.25% |
| NATIONAL ENROLLMENT PARTNERS LLC3 | 100 ALBRIGHT LANE PROSPER, TX 75078 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2 | — | $2 | 0.25% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| USI SOUTWEST INC EIN 76-0206321 NONE | Contract Administrator Service code 13 | PO BOX 61187 VIRGINIA BEACH, VA 23466 | $104K |
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 | 270 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 270 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | BLUECROSS BLUESHIELD OF TEXAS | 559 | $4.3M |
| Dental | BLUECROSS BLUESHIELD OF TEXAS | 559 | $4.3M |
| Vision | DEARBORN LIFE INSURANCE COMPANY | 192 | $32K |
| Life insurance | HARTFORD LIFE AND ACCIDENT | 440 | $175K |
| Short-term disability(2 contracts, 2 carriers) | HARTFORD LIFE AND ACCIDENT | 440 | $175K |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 440 | $175K |
| Other(3 contracts, 3 carriers) | HARTFORD LIFE AND ACCIDENT | 440 | $185K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 559 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.