| 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 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | $0 | $4K | $4K | 0.07% |
| USI INSURANCE SERVICES LLC3 Filed as: USI SOUTHWEST, INC. | HOUSTON OPCO PO BOX 61187 VIRGINIA BEACH, VA 234661187 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $14K | $4K | $18K | 22.78% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | DEPT 3103 / PO BOX 123103 DALLAS, TX 753120001 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $1K | — | $1K | 1.76% |
| USI INSURANCE SERVICES LLC3 Filed as: USI SOUTHWEST, INC. | HOUSTON OPCO PO BOX 61187 VIRGINIA BEACH, VA 234661187 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $14K | $3K | $17K | 22.56% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | DEPT 3103 / PO BOX 123103 DALLAS, TX 753120001 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $1K | — | $1K | 1.71% |
| USI INSURANCE SERVICES LLC3 Filed as: USI SOUTHWEST, INC. | HOUSTON OPCO PO BOX 61187 VIRGINIA BEACH, VA 234661187 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $11K | — | $11K | 18.21% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | DEPT 3103 / PO BOX 123103 DALLAS, TX 753120001 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $1K | — | $1K | 1.79% |
| USI INSURANCE SERVICES LLC3 Filed as: USI SOUTHWEST, INC. | HOUSTON OPCO PO BOX 61187 VIRGINIA BEACH, VA 234661187 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $8K | $2K | $10K | 22.91% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | DEPT 3103 / PO BOX 123103 DALLAS, TX 753120001 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $789 | — | $789 | 1.73% |
| USI INSURANCE SERVICES LLC3 Filed as: USI SOUTHWEST INC | PO BOX 61187 VIRGINIA BEACH, VA 23466 | HM LIFE INSURANCE COMPANY | $3K | $0 | $3K | 9.11% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LC | C/O HOUSTON SERIES DEPT 3103 PO BOX 123103 DALLAS, TX 753123103 | HM LIFE INSURANCE COMPANY | $258 | $0 | $258 | 0.89% |
| ANCO INS. SVC. OF BRYAN COLLEGE STA3 Filed as: ANCO INSURANCE SERVICES OF HOUSTON | 840 GESSNER ROAD, SUITE 600 HOUSTON, TX 77024 | MUTUAL OF OMAHA INSURANCE COMPANY | $3K | — | $3K | 20.00% |
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 | 575 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 577 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 446 | $5.2M |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 446 | $5.2M |
| Vision | HM LIFE INSURANCE COMPANY | 376 | $29K |
| Life insurance(3 contracts, 2 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 553 | $135K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 423 | $62K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 423 | $79K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 553 | — |
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."
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.