| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| USI INSURANCE SERVICES LLC3 Filed as: USI SOUTHWEST, INCORPORATED | 7600 B NORTH CAPITAL OF TEXAS HIGHW SUITE 200 AUSTIN, TX 78731 | BLUECROSS BLUESHIELD OF TEXAS | $42K | — | $42K | 4.07% |
| TRUENORTH COMPANIES LC3 Filed as: TRUENORTH COMPANIES, L.C. | — | BLUECROSS BLUESHIELD OF TEXAS | $9K | — | $9K | 0.88% |
| SCHIRM, USA3 | PO BOX 237 ENNIS, TX 75120 | BLUECROSS BLUESHIELD OF TEXAS | — | $11 | $11 | 0.00% |
| CREATIVE ASSOCIATES FNCL & INS SVCS3 Filed as: CREATIVE ASSOCIATES FINANCIAL | 28470 AVENUE STANFORD SUITE 300 VALENCIA, CA 91355 | BLUECROSS BLUESHIELD OF TEXAS | — | $6 | $6 | 0.00% |
| USI INSURANCE SERVICES LLC3 Filed as: USI SOUTHWEST INCORPORATED | 2711 NORTH HASKELL AVENUE SUITE 2000 DALLAS, TX 75204 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $2K | — | $2K | 10.00% |
| TRUENORTH COMPANIES LC3 | PO BOX 1863 CEDAR RAPIDS, IA 52406 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $418 | — | $418 | 2.00% |
| USI INSURANCE SERVICES LLC3 Filed as: USI SOUTHWEST INCORPORATED | 200 SUMMIT LAKE DRIVE SUITE 350 VALHALLA, NY 10595 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $2K | — | $2K | 12.09% |
| TRUENORTH COMPANIES LC3 Filed as: TRUENORTH COMPANIES LLC | 410 WEST 7TH STREET SUITE 2 FORT WORTH, TX 76102 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $375 | — | $375 | 2.91% |
| OPES ONE ADVISORS LLC3 | — | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $2 | — | $2 | 0.02% |
| USI INSURANCE SERVICES LLC3 Filed as: USI SOUTHWEST INCORPORATED | 2711 NORTH HASKELL AVENUE SUITE 2000 DALLAS, TX 75204 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $478 | — | $478 | 9.94% |
| TRUENORTH COMPANIES LC3 | PO BOX 1863 CEDAR RAPIDS, IA 52406 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $99 | — | $99 | 2.06% |
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 | 163 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 164 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUECROSS BLUESHIELD OF TEXAS | 247 | $1.0M |
| Vision | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 66 | $13K |
| Life insurance(2 contracts) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 164 | $26K |
| Other(2 contracts) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 164 | $26K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 247 | — |
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.
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.