| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| USI INSURANCE SERVICES LLC3 Filed as: USI SOUTHWEST, INC. | 4630 NORTH LOOP 1604 WEST SUITE 410 SAN ANTONIO, TX 78249 | BLUECROSS BLUESHIELD OF TEXAS | $46K | $0 | $46K | 4.73% |
| USI INSURANCE SERVICES LLC3 | PO BOX 61187 VIRGINIA BEACH, VA 23466 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $2K | $0 | $2K | 5.08% |
| MICHAEL L. COOK3 | 24165 IH-10, SUITE 217 SAN ANTONIO, TX 78257 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $494 | $0 | $494 | 1.07% |
| GUY WOLFF3 | PO BOX 80324 CHARLESTON, SC 29416 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $360 | $0 | $360 | 0.78% |
| SGP BENEFITS OF TEXAS, INC.3 | 2711 NORTH HASKELL AVENUE SUITE 2000 DALLAS, TX 75204 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $328 | $0 | $328 | 0.71% |
| JEFFREY S. MARTINEC3 | 1220 WEST AVENUE, SUITE M TEMPLE, TX 76504 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $222 | $0 | $222 | 0.48% |
| USI INSURANCE SERVICES LLC3 Filed as: USI SOUTHWEST, INC. | 9811 KATY FREEWAY, SUITE 500 HOUSTON, TX 77024 | DEARBORN LIFE INSURANCE COMPANY | $1K | $0 | $1K | 9.91% |
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 | 100 | 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) | 100 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUECROSS BLUESHIELD OF TEXAS | 209 | $965K |
| Dental | BLUECROSS BLUESHIELD OF TEXAS | 209 | $965K |
| Vision(2 contracts, 2 carriers) | AMERICAN HERITAGE LIFE INSURANCE COMPANY | 100 | $58K |
| Life insurance | AMERICAN HERITAGE LIFE INSURANCE COMPANY | 100 | $46K |
| Short-term disability | AMERICAN HERITAGE LIFE INSURANCE COMPANY | 100 | $46K |
| Prescription drug | BLUECROSS BLUESHIELD OF TEXAS | 209 | $965K |
| Other | AMERICAN HERITAGE LIFE INSURANCE COMPANY | 100 | $46K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 209 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.