| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES SOUTHWEST | 2711 NORTH HASKELL AVENUE SUITE 2000 DALLAS, TX 75204 | BLUE CROSS BLUE SHIELD OF TEXAS | $160K | $0 | $160K | 3.73% |
| USI INSURANCE SERVICES LLC3 | 2375 EAST CAMELBACK ROAD, SUITE 250 PHOENIX, AZ 85016 | AMERICAN UNITED LIFE INSURANCE COMPANY | $41K | $0 | $41K | 16.29% |
| HIGGINBOTHAM INS AGENCY INC3 Filed as: HIGGINGBOTHAM INSURANCE AGENCY | UNKNOWN COPPELL, TX 75019 | COMBINED INSURANCE COMPANY OF AMERICA | $16K | $0 | $16K | 28.26% |
| BRIAN EDWARD JUND3 Filed as: BRIAN JUND | UNKNOWN COPELL, TX 75019 | COMBINED INSURANCE COMPANY OF AMERICA | $2K | $0 | $2K | 3.97% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES SOUTHWEST | 9811 KATY FREEWAY, SUITE 500 HOUSTON, TX 77024 | HUMANA INSURANCE COMPANY | $5K | $0 | $5K | 10.00% |
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 | 436 | 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) | 436 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF TEXAS | 659 | $4.3M |
| Vision | HUMANA INSURANCE COMPANY | 300 | $45K |
| Life insurance | AMERICAN UNITED LIFE INSURANCE COMPANY | 436 | $251K |
| Short-term disability | AMERICAN UNITED LIFE INSURANCE COMPANY | 436 | $251K |
| Long-term disability | AMERICAN UNITED LIFE INSURANCE COMPANY | 436 | $251K |
| Prescription drug | BLUE CROSS BLUE SHIELD OF TEXAS | 659 | $4.3M |
| Other(2 contracts, 2 carriers) | AMERICAN UNITED LIFE INSURANCE COMPANY | 436 | $308K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 659 | — |
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.