| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| USI INSURANCE SERVICES LLC3 Filed as: USI SOUTHWEST, INC. | PO BOX 61187 VIRGINIA BEACH, VA 23466 | BLUE CROSS BLUE SHIELD | $3K | — | $3K | 0.62% |
| USI INSURANCE SERVICES LLC3 Filed as: USI SOUTHWEST, INC. | PO BOX 61187 VIRGINIA BEACH, VA 23466 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $8K | — | $8K | 6.90% |
| USI INSURANCE SERVICES LLC3 Filed as: USI SOUTHWEST INCTX | 9811 KATY FWY STE 500 HOUSTON, TX 77024 | DEARBORN NATIONAL | $2K | $1K | $3K | 17.91% |
| NANCY LAPHAM3 | 23 WATERFORD OAKS LN KEMAH, TX 77565 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $23 | — | $23 | 1.92% |
| COMPASS INSURANCE AGENCY, INC.3 Filed as: COMPASS INSURANCE AGENGY INC | 840 GESSNER RD HOUSTON, TX 77024 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $20 | — | $20 | 1.67% |
| ROGER LAPHAM3 Filed as: ROGER A LAPHAM | 23 WATERFORD OAKS LN KEMA, TX 77565 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $7 | — | $7 | 0.59% |
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 | 241 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 241 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD | 370 | $410K |
| Dental | BLUE CROSS BLUE SHIELD | 370 | $410K |
| Life insurance(3 contracts, 3 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 281 | $133K |
| Long-term disability(2 contracts, 2 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 281 | $132K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 370 | — |
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."
No prospect flags tripped on this filing.