| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| USI INSURANCE SERVICES LLC3 Filed as: USI SOUTHWEST, INC. | 101 SUMMIT AVENUE, SUITE 600 FORT WORTH, TX 76102 | UNITEDHEALTHCARE INSURANCE COMPANY | $9K | $76K | $84K | 5.54% |
| USI INSURANCE SERVICES LLC3 | 312 ELM STREET, 24TH FLOOR CINCINNATI, OH 45202 | UNITEDHEALTHCARE INSURANCE COMPANY | $0 | $3K | $3K | 0.20% |
| USI INSURANCE SERVICES LLC3 Filed as: USI SOUTHWEST, INC. | 101 SUMMIT AVENUE, SUITE 600 FORT WORTH, TX 76102 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $593 | $3 | $596 | 1.62% |
| BENTON J WINRICH3 Filed as: BENTON J WINRICH AND OTHER AGENTS | 2401 WESTINGHOUSE ROAD GEORGETOWN, TX 78626 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $534 | $7 | $541 | 1.47% |
| THE NITSCHE GROUP INC3 Filed as: THE NITSCHE GROUP, INC. | 143 EAST AUSTIN STREET GIDDINGS, TX 78942 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $533 | $0 | $533 | 1.45% |
| JACQUELINE ST HILAIRE3 | 6829 COLONNADE DRIVE PLANO, TX 75024 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $182 | $1 | $183 | 0.50% |
| MPART BENEFITS INC3 Filed as: MPART BENEFITS, INC. | 100 ALBRIGHT LANE PROSPER, TX 75078 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $158 | $3 | $161 | 0.44% |
| VIRGINIA LEDER-CLARK3 | 4513 BRINDLE WAY FLOWER MOUND, TX 75028 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $133 | $1 | $134 | 0.36% |
| MARY JO CHAPPELL3 | 109 COUNTY ROAD, SUITE 251 CAMERON, TX 76520 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $80 | $0 | $80 | 0.22% |
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 | 288 | 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) | 288 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 405 | $1.5M |
| Dental | UNITEDHEALTHCARE INSURANCE COMPANY | 405 | $1.5M |
| Life insurance(2 contracts, 2 carriers) | UNITEDHEALTHCARE INSURANCE COMPANY | 405 | $1.6M |
| Short-term disability | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | 38 | $37K |
| Prescription drug | UNITEDHEALTHCARE INSURANCE COMPANY | 405 | $1.5M |
| Other(2 contracts, 2 carriers) | UNITEDHEALTHCARE INSURANCE COMPANY | 405 | $1.6M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 405 | — |
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."
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.