| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| USI INSURANCE SERVICES LLC3 Filed as: USI SOUTHWEST, INC. | 9811 KATY FREEWAY, STE 500 HOUSTON, TX 77024 | HEALTH CARE SERVICE CORPORATION | $45K | $0 | $45K | 3.54% |
| HIGGINBOTHAM INS AGENCY INC3 Filed as: HIGGINBOTHAM INSURANCE AGENCY, INC. | PO BOX 908 FORT WORTH, TX 76101 | HEALTH CARE SERVICE CORPORATION | $10K | $0 | $10K | 0.77% |
| USI INSURANCE SERVICES LLC3 Filed as: USI SOUTHWEST, INC. | 2711 N HASKELL AVE, STE 2000 HASKELL, TX 77024 | UNTIED CONCORDIA INSURANCE COMPANY | $5K | $0 | $5K | 7.42% |
| HIGGINBOTHAM INS AGENCY INC3 Filed as: HIGGINBOTHAM INSURANCE AGENCY, INC. | PO BOX 908 FORT WORTH, TX 76101 | UNTIED CONCORDIA INSURANCE COMPANY | $1K | $0 | $1K | 1.73% |
| 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 | 12.55% |
| HIGGINBOTHAM INS AGENCY INC3 Filed as: HIGGINBOTHAM INSURANCE AGENCY, INC. | PO BOX 908 FORT WORTH, TX 76101 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $754 | $0 | $754 | 2.45% |
| USI INSURANCE SERVICES LLC3 Filed as: USI SOUTHWEST, INC. | 9811 KATY FREEWAY, STE 500 HOUSTON, TX 77024 | SUPERIOR VISION PLAN OF TEXAS | $656 | $0 | $656 | 5.53% |
| HIGGINBOTHAM INS AGENCY INC3 Filed as: HIGGINBOTHAM INSURANCE AGENCY, INC. | PO BOX 908 FORT WORTH, TX 76101 | SUPERIOR VISION PLAN OF TEXAS | $412 | $0 | $412 | 3.47% |
| USI INSURANCE SERVICES LLC3 Filed as: USI SOUTHWEST, INC. | PO BOX 27025 RICHMOND, VA 23261 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $1K | $0 | $1K | 12.66% |
| HIGGINBOTHAM INS AGENCY INC3 Filed as: HIGGINBOTHAM INSURANCE AGENCY, INC. | PO BOX 908 FORT WORTH, TX 76101 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $209 | $0 | $209 | 2.34% |
| USI INSURANCE SERVICES LLC3 Filed as: USI SOUTHWEST, INC. | 2711 N HASKELL AVE, STE 2000 DALLAS, TX 75204 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $583 | $0 | $583 | 12.84% |
| HIGGINBOTHAM INS AGENCY INC3 Filed as: HIGGINBOTHAM INSURANCE AGENCY, INC. | PO BOX 908 FORT WORTH, TX 76101 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $98 | $0 | $98 | 2.16% |
| USI INSURANCE SERVICES LLC3 Filed as: USI SOUTHWEST, INC. | 2711 N HASKELL AVE, STE 2000 DALLAS, TX 75204 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $134 | $0 | $134 | 12.50% |
| HIGGINBOTHAM INS AGENCY INC3 Filed as: HIGGINBOTHAM INSURANCE AGENCY, INC. | PO BOX 908 FORT WORTH, TX 76101 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $27 | $0 | $27 | 2.52% |
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 | 167 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 167 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HEALTH CARE SERVICE CORPORATION | 146 | $1.3M |
| Dental | UNTIED CONCORDIA INSURANCE COMPANY | 188 | $62K |
| Vision | SUPERIOR VISION PLAN OF TEXAS | 118 | $12K |
| Life insurance | RELIANCE STANDARD LIFE INSURANCE COMPANY | 148 | $31K |
| Short-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 26 | $5K |
| Long-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 29 | $9K |
| Other(2 contracts) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 148 | $32K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 188 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.