| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES, LLC | PO BOX 62937 VIRGINIA BEACH, VA 23466 | SUNLIFE ASSURANCE COMPANY OF CANADA | $12K | $0 | $12K | 11.42% |
| ALEJANDRA ROMAN3 | 2601 FRANKFORD ROAD, APARTMENT 1607 DALLAS, TX 75287 | AFLAC | $5K | $0 | $5K | 18.16% |
| USI INSURANCE SERVICES LLC3 Filed as: USI SOUTHWEST, INC. | 9811 KATY FREEWAY, SUITE 500 HOUSTON, TX 77024 | AFLAC | $5K | $0 | $5K | 18.01% |
| AMANDA LEAH RISNER3 | 8813 PRIEST MEADOW COURT MCKINNEY, TX 75071 | AFLAC | $2K | $0 | $2K | 7.16% |
| JANIE VELDE BENEFITS GROUP LLC3 Filed as: JANIE VELDE BENEFITS GROUP, LLC | 1900 WICKERSHAM LANE CORINTH, TX 76210 | AFLAC | $2K | $0 | $2K | 6.60% |
| ANGELA RENEE ELAM3 | 2328 OAKCREST DRIVE GARLAND, TX 75044 | AFLAC | $1K | $0 | $1K | 4.81% |
| THE BLUE ORANGE SOLUTIONS, LLC3 | 2435 NORTH CENTRAL EXPRESSWAY SUITE 1200 RICHARDSON, TX 75080 | AFLAC | $912 | $0 | $912 | 3.05% |
| SHERI BREELAND AND OTHER AGENTS3 | 3703 BRAZOS STREET MELISSA, TX 75454 | AFLAC | $727 | $0 | $727 | 2.43% |
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 | 155 | 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) | 155 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | SUNLIFE ASSURANCE COMPANY OF CANADA | 155 | $104K |
| Vision | SUNLIFE ASSURANCE COMPANY OF CANADA | 155 | $104K |
| Life insurance | SUNLIFE ASSURANCE COMPANY OF CANADA | 155 | $104K |
| Short-term disability | SUNLIFE ASSURANCE COMPANY OF CANADA | 155 | $104K |
| Other(2 contracts, 2 carriers) | SUNLIFE ASSURANCE COMPANY OF CANADA | 155 | $134K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 155 | — |
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.
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.