| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| USI INSURANCE SERVICES LLC3 Filed as: USI SOUTHWEST, INC. | 840 GESSNER ROAD, SUITE 600 HOUSTON, TX 77024 | AFLAC | $2K | $0 | $2K | 5.62% |
| DEBRA L SCHMIDT3 Filed as: DEBRA SCHMIDT | 616 BYPRESS CREEK PARKWAY SUITE 101 HOUSTON, TX 77090 | AFLAC | $1K | $250 | $2K | 4.72% |
| MARY H MUNOZ PHILIPS3 Filed as: MARY MUNOZ PHILIPS | 116 GARDEN DRIVE FRIENDSWOOD, TX 77546 | AFLAC | $1K | $229 | $1K | 4.54% |
| CYNTHIA HILBORN3 | 12322 HEATHERWICK DRIVE CYPRESS, TX 77429 | AFLAC | $974 | $248 | $1K | 3.77% |
| GARY W. SYLVESTER3 Filed as: GARY SYLVESTER AND OTHER AGENTS | 27935 EMERALD VISTA DRIVE SPRING, TX 77386 | AFLAC | $344 | $272 | $616 | 1.90% |
| JANET S. RENO3 Filed as: JANET RENO | PO BOX 1144 CYPRESS, TX 77410 | AFLAC | $417 | $0 | $417 | 1.29% |
| TYLER VAUGHN3 | 1702 MOSTON DRIVE SPRING, TX 77386 | AFLAC | $374 | $0 | $374 | 1.15% |
| USI INSURANCE SERVICES LLC3 | PO BOX 61187 VIRGINIA BEACH, VA 23466 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $1K | $1K | 5.17% |
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 | 135 | 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) | 135 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 281 | $1.6M |
| Dental | UNITEDHEALTHCARE INSURANCE COMPANY | 281 | $1.6M |
| Vision | UNITEDHEALTHCARE INSURANCE COMPANY | 281 | $1.6M |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 135 | $28K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 135 | $28K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 135 | $28K |
| Prescription drug | UNITEDHEALTHCARE INSURANCE COMPANY | 281 | $1.6M |
| Other(2 contracts, 2 carriers) | AFLAC | 135 | $61K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 281 | — |
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 comp is under 1% of premium on a >$1M plan. Plan may be flying solo or paying a flat fee — consultant sales target.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.