| 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 | BLUE CROSS BLUE SHIELD OF TEXAS | $126K | $16K | $142K | 4.79% |
| USI INSURANCE SERVICES LLC3 | PO BOX 61187 VIRGINIA BEACH, VA 23466 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $25K | $0 | $25K | 15.00% |
| USI INSURANCE SERVICES LLC3 | PO BOX 62889 VIRGINIA BEACH, VA 23466 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $0 | $2K | $2K | 1.12% |
| BARDWELL BENEFITS LLC3 | 1445 AVERY ROAD CANTON, GA 30115 | CONTINENTAL AMERICAN INSURANCE COMPANY | $4K | $0 | $4K | 3.03% |
| STEVEN MONEY3 Filed as: STEVEN D. MONEY | 225 WING MILL ROAD ATLANTA, GA 30350 | CONTINENTAL AMERICAN INSURANCE COMPANY | $702 | $0 | $702 | 0.50% |
| AUSTIN J RICE3 Filed as: AUSTIN J. RICE | 2202 TAYSIDE CROSSING NW KENNESAW, GA 30152 | CONTINENTAL AMERICAN INSURANCE COMPANY | $609 | $0 | $609 | 0.43% |
| ELENI A NIKOLAS3 Filed as: ELENI A. KRAUSE | 3869 EVERGREEN COURT MARIETTA, GA 30062 | CONTINENTAL AMERICAN INSURANCE COMPANY | $347 | $0 | $347 | 0.25% |
| JOSEPH BAILEY DUCKETT3 Filed as: JOSEPH B. DUCKETT | 113 SILKY SULLIVAN WAY CANTON, GA 30115 | CONTINENTAL AMERICAN INSURANCE COMPANY | $179 | $0 | $179 | 0.13% |
| ELENI A NIKOLAS3 Filed as: ELENI A. NIKOLAS | 3869 WINTERGREEN COURT MARIETTA, GA 30062 | CONTINENTAL AMERICAN INSURANCE COMPANY | $31 | $0 | $31 | 0.02% |
| USI INSURANCE SERVICES LLC3 Filed as: USI SOUTHWEST, INC. | 9811 KATY FREEWAY, SUITE 500 HOUSTON, TX 77024 | DEARBORN LIFE INSURANCE COMPANY | $3K | $0 | $3K | 10.00% |
| YVETTE MAYO4 | PO BOX 5025 WINTER PARK, FL 32793 | PRE-PAID LEGAL SERVICES, INC. DBA LEGALSHIELD | $4K | $0 | $4K | 19.28% |
| VICKY METHVEN4 | 370 GREEN OAK DRIVE KERRVILLE, TX 78028 | PRE-PAID LEGAL SERVICES, INC. DBA LEGALSHIELD | $135 | $0 | $135 | 0.64% |
| JON R. MAYO4 | PO BOX 5025 WINTER PARK, FL 32793 | PRE-PAID LEGAL SERVICES, INC. DBA LEGALSHIELD | $68 | $0 | $68 | 0.32% |
| SHERRY BRANDA4 | 29623 SKYMAC RANCH ROAD HEMPSTREAD, TX 77445 | PRE-PAID LEGAL SERVICES, INC. DBA LEGALSHIELD | $29 | $0 | $29 | 0.14% |
| MARK E SULLIVAN4 Filed as: MARK E. SULLIVAN | 9211 FOREST CREEK DRIVE TOMBALL, TX 77375 | PRE-PAID LEGAL SERVICES, INC. DBA LEGALSHIELD | $22 | $0 | $22 | 0.10% |
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 | 316 | 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) | 316 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF TEXAS | 491 | $3.0M |
| Dental | BLUE CROSS BLUE SHIELD OF TEXAS | 491 | $3.0M |
| Vision | DEARBORN LIFE INSURANCE COMPANY | 242 | $28K |
| Life insurance | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 316 | $165K |
| Short-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 316 | $165K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 316 | $165K |
| Prescription drug | BLUE CROSS BLUE SHIELD OF TEXAS | 491 | $3.0M |
| Other(3 contracts, 3 carriers) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 464 | $326K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 491 | — |
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.