| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES, LLC | 1445 ROSS AVENUE, SUITE 4200 DALLAS, TX 75202 | BLUE CROSS BLUE SHIELD OF TEXAS | $100K | $14K | $114K | 6.42% |
| JAMES W HAMBY3 Filed as: JAMES W. HAMBY | 503 FORREST PARK COURT HUNTSVILLE, AL 35806 | KANAWHA INSURANCE COMPANY | $21K | — | $21K | 9.72% |
| ANCO INS. SVC. OF BRYAN COLLEGE STA3 Filed as: ANCO INSURANCE SERVICES CORPORATION | 840 GESSNER, SUITE 600 HOUSTON, TX 77024 | KANAWHA INSURANCE COMPANY | $16K | $3 | $16K | 7.32% |
| JONATHAN S. SPETNER3 | 8630 DELMAR BOULEVARD, SUITE 100 SAINT LOUIS, MO 63124 | KANAWHA INSURANCE COMPANY | $14K | — | $14K | 6.48% |
| SUMMIT GLOBAL PARTNERS OF TX, INC.3 | 7550 INTERSTATE HIGHWAY 10 WEST SUITE 700 SAN ANTONIO, TX 78229 | KANAWHA INSURANCE COMPANY | $287 | — | $287 | 0.13% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES, LLC | 1445 ROSS AVENUE, SUITE 4200 DALLAS, TX 75202 | METROPOLITAN LIFE INSURANCE COMPANY | $4K | — | $4K | 11.03% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES, LLC | 840 GESSNER, SUITE 600 HOUSTON, TX 77024 | METROPOLITAN LIFE INSURANCE COMPANY | — | $299 | $299 | 0.89% |
| SUMMIT GROUP OF VIRGINIA3 Filed as: SUMMIT GLOBAL PARTNERS OF TEXAS | 300 EAST MAIN STREET, SUITE 1300 NORFOLK, VA 23510 | NATIONAL GUARDIAN LIFE INSURANCE COMPANY | $3K | — | $3K | 9.27% |
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 | 201 | 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) | 203 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | BLUE CROSS BLUE SHIELD OF TEXAS | 543 | $1.8M |
| Vision | NATIONAL GUARDIAN LIFE INSURANCE COMPANY | 234 | $28K |
| Life insurance(2 contracts, 2 carriers) | KANAWHA INSURANCE COMPANY | 282 | $248K |
| Short-term disability | KANAWHA INSURANCE COMPANY | 176 | $214K |
| Other(2 contracts, 2 carriers) | KANAWHA INSURANCE COMPANY | 282 | $248K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 543 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.