| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| USI INSURANCE SERVICES LLC3 Filed as: USI SOUTHWEST INC | 2711 N HASKELL AVE STE 2000 DALLAS, TX 75204 | BLUE CROSS BLUE SHIELD OF TEXAS | $52K | $0 | $52K | 4.95% |
| HIGGINBOTHAM INS AGENCY INC3 Filed as: HIGGINBOTHAM INSURANCE AGENCY INC | PO BOX 908 FORT WORTH, TX 76101 | BLUE CROSS BLUE SHIELD OF TEXAS | $191 | $0 | $191 | 0.02% |
| USI INSURANCE SERVICES LLC3 Filed as: USI SOUTHWEST | 9811 KATY FREEWAY HOUSTON, TX 77024 | UNITED CONCORDIA INSURANCE COMPANY | $5K | $403 | $6K | 14.69% |
| HIGGINBOTHAM INS AGENCY INC3 Filed as: HIGGINBOTHAM INSURANCE AGENCY, INC. | 500 W 13TH ST FORT WORTH, TX 76102 | UNITED CONCORDIA INSURANCE COMPANY | $0 | $58 | $58 | 0.15% |
| USI INSURANCE SERVICES LLC3 Filed as: USI SOUTHWEST | 9811 KATY FREEWAY HOUSTON, TX 77024 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $4K | $639 | $5K | 14.18% |
| STUART DUNKLE3 | 7316 GRAYSON DR PLANO, TX 75025 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $3K | $822 | $4K | 10.72% |
| MANUEL FUENTES3 | 23910 W INTERSTATE 10 SAN ANTONIO, TX 78257 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $3K | $891 | $4K | 10.70% |
| COLONIAL LIFE & ACCIDENT3 Filed as: COLONIAL OF NORTH TEXAS INSURANCE G | 4621 GLEN HEATHER DR FRISCO, TX 75034 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $673 | $597 | $1K | 3.64% |
| VIRGINIA LEDER-CLARK3 | 5213 MARSHALL CRK FLOWER MOUND, TX 75028 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $992 | $197 | $1K | 3.40% |
| HIGGINBOTHAM INS AGENCY INC3 Filed as: HIGGINBOTHAM INSURANCE AGENCY | 500 W 13TH STREET FORT WORTH, TX 76102 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $881 | $1 | $882 | 2.53% |
| HORIZON BENEFITS LLC3 | 9385 MILLER LANE GARDEN RIDGE, TX 78266 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $213 | $277 | $490 | 1.40% |
| MARTHA MONCKTON3 Filed as: MARTHA LAURA GONZALEZ | 110 N COLEMAN STREET MABANK, TX 75147 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $394 | $16 | $410 | 1.17% |
| SA GENERAL AGENCY INC3 | 9385 MILLER LANE GARDEN RIDGE, TX 78266 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $143 | $211 | $354 | 1.01% |
| BILLY MARK ROBERSON3 | 17415 SHADY CANYON SAN ANTONIO, TX 78248 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $213 | $54 | $267 | 0.76% |
| CRAIG LEE KREUTZER3 | 1112 WILSON DR LANTANA, TX 76226 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $59 | $8 | $67 | 0.19% |
| CALVIN DEAN INGLE3 | 1840 LARIAT TRAIL CELINA, TX 75009 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $36 | $8 | $44 | 0.13% |
| USI INSURANCE SERVICES LLC3 Filed as: USI SOUTHWEST INC | 2711 N HASKELL AVE STE 2000 DALLAS, TX 75204 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $4K | $0 | $4K | 15.00% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES INC | P.O. BOX 62689 VIRGINIA BEACH, VA 23466 | SUPERIOR VISION PLAN OF TEXAS | $391 | $0 | $391 | 3.70% |
| HIGGINBOTHAM INS AGENCY INC3 Filed as: HIGGINBOTHAM INSURANCE AGENCY, INC | P.O. BOX 908 FORT WORTH, TX 76101 | SUPERIOR VISION PLAN OF TEXAS | $311 | $0 | $311 | 2.94% |
| USI INSURANCE SERVICES LLC3 Filed as: USI SOUTHWEST INC | 2711 N HASKELL AVE STE 2000 DALLAS, TX 75204 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $676 | $0 | $676 | 14.99% |
| USI INSURANCE SERVICES LLC3 Filed as: USI SOUTHWEST INC | 2711 N HASKELL AVE STE 2000 DALLAS, TX 75204 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $141 | $0 | $141 | 15.00% |
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 | 136 | 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) | 136 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF TEXAS | 108 | $1.1M |
| Dental | UNITED CONCORDIA INSURANCE COMPANY | 123 | $38K |
| Vision | SUPERIOR VISION PLAN OF TEXAS | 129 | $11K |
| Life insurance | RELIANCE STANDARD LIFE INSURANCE COMPANY | 136 | $25K |
| Short-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 31 | $5K |
| Other(4 contracts, 3 carriers) | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 136 | $65K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 136 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.