| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES SOUTHWEST | 9811 KATY FREEWAY, SUITE 500 HOUSTON, TX 77024 | BLUECROSS BLUESHIELD OF TEXAS | $314K | $21K | $335K | 4.04% |
| BARDWELL BENEFITS LLC3 | 1445 AVERY ROAD CANTON, GA 30115 | CONTINENTAL AMERICAN INSURANCE COMPANY | $28K | $0 | $28K | 5.26% |
| AUSTIN J RICE3 Filed as: AUSTIN JAMES RICE | 205 PERSIMMON TRAIL WOODSTOCK, GA 30188 | CONTINENTAL AMERICAN INSURANCE COMPANY | $3K | $0 | $3K | 0.53% |
| STEVEN DAVID MONEY3 | 225 WING MILL ROAD ATLANTA, GA 30350 | CONTINENTAL AMERICAN INSURANCE COMPANY | $1K | $0 | $1K | 0.20% |
| ELENI A NIKOLAS3 Filed as: ELENI A. NIKOLAS | 3869 WINTERGREEN COURT MARIETTA, GA 30062 | CONTINENTAL AMERICAN INSURANCE COMPANY | $578 | $0 | $578 | 0.11% |
| JOSEPH BAILEY DUCKETT3 | 113 SILKY SULLIVAN WAY CANTON, GA 30115 | CONTINENTAL AMERICAN INSURANCE COMPANY | $136 | $0 | $136 | 0.03% |
| USI INSURANCE SERVICES LLC3 | PO BOX 61187 VIRGINIA BEACH, VA 23466 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $73K | $0 | $73K | 15.00% |
| USI INSURANCE SERVICES LLC3 | PO BOX 62889 VIRGINIA BEACH, VA 23466 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $0 | $9K | $9K | 1.86% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES SOUTHWEST | 9811 KATY FREEWAY, SUITE 500 HOUSTON, TX 77024 | DEARBORN LIFE INSURANCE COMPANY | $8K | $2K | $10K | 13.24% |
| YVETTE MAYO4 | PO BOX 5025 WINTER PARK, FL 32793 | PRE-PAID LEGAL SERVICES, INC. DBA LEGALSHIELD | $7K | $0 | $7K | 21.56% |
| VICKY METHVEN4 | 370 GREEN OAK DRIVE KERRVILLE, TX 78028 | PRE-PAID LEGAL SERVICES, INC. DBA LEGALSHIELD | $133 | $0 | $133 | 0.40% |
| DEBORAH D MOSLEY4 Filed as: DEBORAH D. MOSLEY | 168 WAGON TRAIN ROAD MCRAE, AR 72102 | PRE-PAID LEGAL SERVICES, INC. DBA LEGALSHIELD | $63 | $0 | $63 | 0.19% |
| JOHN R. MAYO4 | PO BOX 5025 WINTER PARK, FL 32793 | PRE-PAID LEGAL SERVICES, INC. DBA LEGALSHIELD | $48 | $0 | $48 | 0.15% |
| RHONA S UNSELL INC4 Filed as: RHONA S. UNSELL INC. | 6525 GUNPARK DRIVE, SUITE 370-152 BOULDER, CO 80301 | PRE-PAID LEGAL SERVICES, INC. DBA LEGALSHIELD | $34 | $0 | $34 | 0.10% |
| CHRISTA G AUFDEMBERG INC4 Filed as: CHRISTA G. AUFDEMBERG INC. | 13102 BRITTANY WOODS DRIVE TUSTIN, CA 92780 | PRE-PAID LEGAL SERVICES, INC. DBA LEGALSHIELD | $25 | $0 | $25 | 0.08% |
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 | 1,000 | 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) | 1,000 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUECROSS BLUESHIELD OF TEXAS | 1,410 | $8.3M |
| Dental | BLUECROSS BLUESHIELD OF TEXAS | 1,410 | $8.3M |
| Vision | DEARBORN LIFE INSURANCE COMPANY | 717 | $76K |
| Life insurance | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 1,000 | $484K |
| Short-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 1,000 | $484K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 1,000 | $484K |
| Prescription drug | BLUECROSS BLUESHIELD OF TEXAS | 1,410 | $8.3M |
| Other(3 contracts, 3 carriers) | CONTINENTAL AMERICAN INSURANCE COMPANY | 1,000 | $1.1M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,410 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.