| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| USI INSURANCE SERVICES LLC3 Filed as: USI SOUTHWEST, INC. | HOUSTON OPCO PO BOX 61187 VIRGINIA BEACH, VA 234661187 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $4K | $0 | $4K | — |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SCRVICES-LLC-SOUTHWES | NEW ORLEANS OPCO PO BOX 6 1187 VIRGINIA BEACH, VA 234661187 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $2K | $2K | — |
| AGENT OF RECORD3 | PROGRESSIVE BENEFITS AGENCY, INC. 31300 SOLON RD.,SUITE 8 SOLON, OH 44139 | ANTHEM LIFE INSURANCE COMPANY | $5K | $0 | $5K | — |
| USI INSURANCE SERVICES LLC3 Filed as: USI SOUTHWEST INC | 200 SUMMIT LAKE DRIVE SUITE 350 VALHALLA, NY 10595 | GUARDIAN | $4K | $2K | $6K | — |
| USI INSURANCE SERVICES LLC3 Filed as: USI SOUTHWEST, INC. | 9811 KATY FREEWAY, SUITE 500 HOUSTON, TX 77024 | NGL | $868 | $0 | $868 | — |
| USI INSURANCE SERVICES LLC3 Filed as: USI SOUTHWEST INC. | HOUSTON OPCO PO BOX 61187 VIRGINIA BEACH, VA 234661187 | CIGNA HEALTH AND UFE INSU RANCE COMPANY | $31K | $2K | $33K | — |
| PROGRESSIVE BENEFITS AGENCY INC3 Filed as: PROGRESSIVE BENEFITS AGENCY INC. | 31300 SOLON RD, SUITE 8 SOLON, OH 44139 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $28K | $3K | $32K | — |
| PROGRESSIVE BENEFITS AGENCY INC3 Filed as: PROGRESSIVE BENEFITS AGENCY INC. | 31300 SOLON RD, SUITE 8 SOLON, OH 44139 | COMMUNITY INSURANCE COMPANY | $2K | $0 | $2K | — |
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 | 158 | 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) | 158 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | CIGNA HEALTH AND UFE INSU RANCE COMPANY | 79 | $0 |
| Dental(2 contracts, 2 carriers) | GUARDIAN | 73 | $0 |
| Vision | NGL | 69 | $0 |
| Life insurance(2 contracts, 2 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 89 | $0 |
| Short-term disability(2 contracts, 2 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 89 | $0 |
| Long-term disability(2 contracts, 2 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 89 | $0 |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 89 | — |
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.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.