| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| USI INSURANCE SERVICES LLC3 Filed as: USI SOUTHWEST, INC. | 2711 HASKELL AVENUE, SUITE 2000 DALLAS, TX 75204 | BLUE CROSS BLUE SHIELD OF TEXAS | $147K | $4 | $147K | 5.22% |
| USI INSURANCE SERVICES LLC3 | PO BOX 61187 VIRGINIA BEACH, VA 23466 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $52K | $0 | $52K | 12.18% |
| USI INSURANCE SERVICES LLC3 | PO BOX 62889 VIRGINIA BEACH, VA 23466 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $0 | $8K | $8K | 1.98% |
| BARDWELL BENEFITS LLC3 | 1445 AVERY ROAD CANTON, GA 30115 | CONTINENTAL AMERICAN INSURANCE COMPANY | $12K | $0 | $12K | 6.27% |
| STEVEN MONEY3 Filed as: STEVEN D. MONEY | 225 WING MILL ROAD ATLANTA, GA 30350 | CONTINENTAL AMERICAN INSURANCE COMPANY | $2K | $0 | $2K | 0.86% |
| AUSTIN J RICE3 Filed as: AUSTIN J. RICE | 2202 TAYSIDE CROSSING NW KENNESAW, GA 30152 | CONTINENTAL AMERICAN INSURANCE COMPANY | $1K | $0 | $1K | 0.55% |
| ELENI A NIKOLAS3 Filed as: ELENI A. KRAUSE | 3869 WINTERGREEN COURT MARIETTA, GA 30062 | CONTINENTAL AMERICAN INSURANCE COMPANY | $811 | $0 | $811 | 0.42% |
| JOSEPH BAILEY DUCKETT3 Filed as: JOSEPH B. DUCKETT | 113 SILKY SULLIVAN WAY CANTON, GA 30115 | CONTINENTAL AMERICAN INSURANCE COMPANY | $762 | $0 | $762 | 0.39% |
| ELENI A NIKOLAS3 Filed as: ELENI A. NIKOLAS | 3869 WINTERGREEN COURT MARIETTA, GA 30062 | CONTINENTAL AMERICAN INSURANCE COMPANY | $71 | $0 | $71 | 0.04% |
| YVETTE MAYO4 | PO BOX 5052 WINTER PARK, FL 32793 | PRE-PAID LEGAL SERVICES, INC. DBA LEGALSHIELD | $6K | $0 | $6K | 24.46% |
| MARK E SULLIVAN3 Filed as: MARK E. SULLIVAN | 9211 FOREST CREEK DRIVE TOMBALL, TX 77375 | PRE-PAID LEGAL SERVICES, INC. DBA LEGALSHIELD | $484 | $0 | $484 | 2.12% |
| VICKI L. METHVEN3 | 370 GREEN OAK DRIVE KERRYVILLE, TX 78028 | PRE-PAID LEGAL SERVICES, INC. DBA LEGALSHIELD | $190 | $0 | $190 | 0.83% |
| MARTHA SHASTEEN3 | 520 CHAPMAN LANE MARIETTA, GA 30066 | PRE-PAID LEGAL SERVICES, INC. DBA LEGALSHIELD | $169 | $0 | $169 | 0.74% |
| JOHN R. MAYO | PO BOX 5025 WINTER PARK, FL 32793 | PRE-PAID LEGAL SERVICES, INC. DBA LEGALSHIELD | $126 | $0 | $126 | 0.55% |
| SHERRY BRANDA3 | 29623 SKYMAC RANCH ROAD HEMPSTEAD, TX 77445 | PRE-PAID LEGAL SERVICES, INC. DBA LEGALSHIELD | $29 | $0 | $29 | 0.13% |
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 | 344 | 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) | 344 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF TEXAS | 508 | $2.8M |
| Dental | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 344 | $425K |
| Vision | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 344 | $425K |
| Life insurance | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 344 | $425K |
| Short-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 344 | $425K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 344 | $425K |
| Prescription drug | BLUE CROSS BLUE SHIELD OF TEXAS | 508 | $2.8M |
| Other(3 contracts, 3 carriers) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 459 | $642K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 508 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.