| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| USI INSURANCE SERVICES LLC3 Filed as: USI SOUTHWEST, INC. | 9811 KATY FREEWAY, SUITE 500 HOUSTON, TX 77024 | AETNA LIFE INSURANCE COMPANY | $0 | $8K | $8K | 0.59% |
| USI INSURANCE SERVICES LLC3 Filed as: USI SOUTHWEST, INC. | 9811 KATY FREEWAY, SUITE 500 HOUSTON, TX 77024 | THE GUARDIAN LIFE INSURANCE COMPANY | $0 | $251 | $251 | 0.59% |
| USI INSURANCE SERVICES LLC3 | PO BOX 61187 VIRGINIA BEACH, VA 23466 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $1K | $2K | $3K | 7.46% |
| USI INSURANCE SERVICES LLC3 Filed as: USI SOUTHWEST, INC. | 2505 EAST MISSOURI AVENUE EL PASO, TX 79903 | AFLAC | $2K | $0 | $2K | 5.24% |
| DEBRA L SCHMIDT3 Filed as: DEBRA L. SCHMIDT | 616 CYPRESS CREEK PARKWAY SUITE 101 HOUSTON, TX 77090 | AFLAC | $1K | $250 | $2K | 4.72% |
| MARY H MUNOZ PHILIPS3 Filed as: MARY H. 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 W. SYLVESTER AND OTHER AGENTS | 27935 EMERALD VISTA DRIVE SPRING, TX 77386 | AFLAC | $569 | $272 | $841 | 2.59% |
| JANET S. RENO3 | PO BOX 1144 CYPRESS, TX 77410 | AFLAC | $417 | $0 | $417 | 1.29% |
| TYLER VAUGHN3 | 1702 MOSTON DRIVE SPRING, TX 77386 | AFLAC | $272 | $0 | $272 | 0.84% |
| USI INSURANCE SERVICES LLC3 Filed as: USI SOUTHWEST, INC. | 840 GESSNER ROAD, SUITE 600 HOUSTON, TX 77024 | AFLAC | $117 | $0 | $117 | 4.74% |
| DEBRA L SCHMIDT3 Filed as: DEBRA L. SCHMIDT | 616 CYPRESS CREEK PARKWAY SUITE 101 HOUSTON, TX 77090 | AFLAC | $94 | $0 | $94 | 3.81% |
| CYNTHIA HILBORN3 | 12322 HEATHERWICK DRIVE CYPRESS, TX 77429 | AFLAC | $89 | $0 | $89 | 3.61% |
| MARY H MUNOZ PHILIPS3 Filed as: MARY MUNOZ PHILIPS | 116 GARDEN DRIVE FRIENDSWOOD, TX 77546 | AFLAC | $42 | $0 | $42 | 1.70% |
| TYLER VAUGHN3 | 4018 EMERSON COVE DRIVE SPRING, TX 77386 | AFLAC | $34 | $0 | $34 | 1.38% |
| SHARON E ALFORD3 Filed as: SHARON ALFORD AND OTHER AGENT | 11885 ANDERSON ROAD WILLIS, TX 77318 | AFLAC | $23 | $0 | $23 | 0.93% |
| GARY W. SYLVESTER3 | 27935 EMERALD VISTA DRIVE SPRING, TX 77386 | AFLAC | $17 | $0 | $17 | 0.69% |
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 | 143 | 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) | 143 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | AETNA LIFE INSURANCE COMPANY | 254 | $1.4M |
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY | 101 | $43K |
| Vision | AETNA LIFE INSURANCE COMPANY | 254 | $1.4M |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 143 | $39K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 143 | $39K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 143 | $39K |
| Prescription drug | AETNA LIFE INSURANCE COMPANY | 254 | $1.4M |
| Other(3 contracts, 2 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 143 | $74K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 254 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.