| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| USI INSURANCE SERVICES LLC3 Filed as: USI SOUTHWEST INC | — | BLUECROSS BLUESHIELD OF TEXAS | $85K | $0 | $85K | 4.51% |
| MARSH & MCLENNAN AGENCY LLC3 | — | BLUECROSS BLUESHIELD OF TEXAS | $0 | $4K | $4K | 0.21% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES CORP | PO BOX 61187 VIRGINIA BEACH, VA 23466 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $20K | $4K | $24K | 18.14% |
| USI INSURANCE SERVICES LLC3 Filed as: USI SOUTHWEST INC | PO BOX 61187 VIRGINIA BEACH, VA 23466 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $9K | $3K | $11K | 19.57% |
| MURIEL JERNIGAN3 Filed as: MURIEL MANNING JERNIGAN | 9927 COLDWATER CIR DALLAS, TX 75228 | AFLAC | $889 | $22 | $911 | 2.54% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH AND MCLENNAN AGENCY LLC | 8144 WALNUT HILL LN STE 1700 DALLAS, TX 75231 | AFLAC | $308 | $0 | $308 | 0.86% |
| MILTON EDDIE EDWARDS3 | 5500 MCKINNEY PLACE DR APT 1006 MCKINNEY, TX 75070 | AFLAC | $236 | $5 | $241 | 0.67% |
| JON M HENNEY3 | 1308 STONECREST DR COPPELL, TX 75019 | AFLAC | $207 | $0 | $207 | 0.58% |
| MOLOKAI MYLES HAND3 | 3309 WOLFE CT PLANO, TX 75025 | AFLAC | $159 | $0 | $159 | 0.44% |
| TALHA ZAQUIR RAHMAN3 | 8811 ELDORADO PKWY APT 4101 FRISCO, TX 75033 | AFLAC | $98 | $5 | $103 | 0.29% |
| NANCY E ODOM3 | 5921 STONE MEADOW DR PLANO, TX 75093 | AFLAC | $94 | $0 | $94 | 0.26% |
| USI INSURANCE SERVICES LLC3 Filed as: USI SOUTHWEST INCTX | 9811 KATY FREEWAY SUITE 500 HOUSTON, TX 77024 | DEARBORN LIFE INSURANCE COMPANY | $1K | $322 | $1K | 12.80% |
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 | 120 | 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) | 120 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUECROSS BLUESHIELD OF TEXAS | 463 | $1.9M |
| Dental | BLUECROSS BLUESHIELD OF TEXAS | 463 | $1.9M |
| Vision | DEARBORN LIFE INSURANCE COMPANY | 96 | $12K |
| Long-term disability(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 119 | $190K |
| Other | AFLAC | 26 | $36K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 463 | — |
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.