| 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 | BLUECROSS BLUESHIELD OF TEXAS | $35K | $0 | $35K | 4.28% |
| MARCI M SCHNITKER3 Filed as: MARCI M. SCHNITKER | 1483 TAYLOR ROAD HOWE, TX 75459 | AFLAC | $5K | $1K | $6K | 6.48% |
| USI INSURANCE SERVICES LLC3 | PO BOX 61187 VIRGINIA BEACH, VA 23466 | AFLAC | $4K | $0 | $4K | 5.17% |
| ELIAS LLERENAS3 | 4705 AMESBURY SHERMAN, TX 75092 | AFLAC | $3K | $570 | $3K | 3.62% |
| AARON CASTRO3 | 9432 LEISURE PACE LANE OAK POINT, TX 75068 | AFLAC | $2K | $412 | $2K | 2.50% |
| MARY L WILLIAMS3 Filed as: MARY L. WILLIAMS | 105 PRIVATE ROAD, SUITE 3407 BRIDGEPORT, TX 76426 | AFLAC | $2K | $320 | $2K | 2.40% |
| THE BLUE ORANGE SOLUTIONS, LLC3 Filed as: THE BLUE ORANGE SOLUTIONS | 2435 NORTH CENTRAL EXPRESSWAY 12TH FLOOR RICHARDSON, TX 75080 | AFLAC | $2K | $0 | $2K | 1.83% |
| CARLES ANTONELL GRIERA3 Filed as: CARLES A. GRIERA AND OTHER AGENTS | 3703 SISTINE MEWS DALLAS, TX 75236 | AFLAC | $938 | $221 | $1K | 1.34% |
| USI INSURANCE SERVICES LLC3 | PO BOX 61187 VIRGINIA BEACH, VA 23466 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $10K | $0 | $10K | 15.00% |
| USI INSURANCE SERVICES LLC3 | PO BOX 62889 VIRGINIA BEACH, VA 23466 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $0 | $2K | $2K | 3.10% |
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 | 203 | 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) | 203 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUECROSS BLUESHIELD OF TEXAS | 132 | $822K |
| Life insurance | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 203 | $69K |
| Short-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 203 | $69K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 203 | $69K |
| Prescription drug | BLUECROSS BLUESHIELD OF TEXAS | 132 | $822K |
| Other(2 contracts, 2 carriers) | AFLAC | 203 | $156K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 203 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.