| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| YOURPEOPLE, INC.3 | 303 2ND STREET, SUITE 401 SAN FRANCISCO, CA 94107 | BLUE CROSS BLUE SHIELD OF TEXAS | $32K | — | $32K | 3.81% |
| USI INSURANCE SERVICES LLC3 Filed as: USI SOUTHWEST, INC. | 9811 KATY FREEWAY, SUITE 500 HOUSTON, TX 77024 | BLUE CROSS BLUE SHIELD OF TEXAS | $10K | $1K | $11K | 1.31% |
| YOURPEOPLE, INC.3 | 303 2ND STREET, SUITE 401 SAN FRANCISCO, CA 94107 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $6K | — | $6K | 8.09% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES, LLC | PO BOX 61187 VIRGINIA BEACH, VA 23466 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $2K | — | $2K | 2.54% |
| INSUREYOURPEOPLE, LLC3 | 40 EAST RIO SALADO PARKWAY SUITE 900 TEMPE, AZ 85281 | DEARBORN NATIONAL LIFE INSURANCE COMPANY | $2K | — | $2K | 10.81% |
| USI INSURANCE SERVICES LLC3 Filed as: USI SOUTHWEST, INC. | 9811 KATY FREEWAY, SUITE 500 HOUSTON, TX 77024 | DEARBORN NATIONAL LIFE INSURANCE COMPANY | $685 | — | $685 | 4.26% |
| YOURPEOPLE, INC.3 | 3440 FLAIR DRIVE EL MONTE, CA 91731 | EYEMED VISION CARE | $1K | — | $1K | 14.16% |
| INSUREYOURPEOPLE, LLC3 | 40 EAST RIO SALADO PARKWAY SUITE 900 TEMPE, AZ 85281 | EYEMED VISION CARE | $150 | — | $150 | 1.50% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES, LLC | PO BOX 61187 VIRGINIA BEACH, VA 23466 | EYEMED VISION CARE | $126 | — | $126 | 1.26% |
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) | BLUE CROSS BLUE SHIELD OF TEXAS | 129 | $851K |
| Dental | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 135 | $78K |
| Vision | EYEMED VISION CARE | 148 | $10K |
| Life insurance | DEARBORN NATIONAL LIFE INSURANCE COMPANY | 162 | $16K |
| Short-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 135 | $78K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 135 | $78K |
| Prescription drug | BLUE CROSS BLUE SHIELD OF TEXAS | 129 | $851K |
| Other | DEARBORN NATIONAL LIFE INSURANCE COMPANY | 162 | $16K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 162 | — |
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."
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.