| 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 | BLUECROSS BLUESHIELD OF TEXAS | $106K | $4K | $109K | 5.71% |
| JAMES W HAMBY3 Filed as: JAMES W. HAMBY | 503 FORREST PARK COURT HUNTSVILLE, AL 35806 | KANAWHA INSURANCE COMPANY | $19K | — | $19K | 11.29% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES, LLC | 9811 KATY FREEWAY, SUITE 500 HOUSTON, TX 77024 | KANAWHA INSURANCE COMPANY | $18K | $87 | $18K | 10.97% |
| JONATHAN S. SPETNER3 | 8630 DELMAR BOULEVARD, SUITE 100 SAINT LOUIS, MO 63124 | KANAWHA INSURANCE COMPANY | $18K | — | $18K | 10.82% |
| SUMMIT GLOBAL PARTNERS OF TX, INC.3 | 7550 IH 10 WEST, SUITE 700 SAN ANTONIO, TX 78229 | KANAWHA INSURANCE COMPANY | $68 | — | $68 | 0.04% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES, LLC | 2711 NORTH HASKELL AVENUE SUITE 2000 DALLAS, TX 75204 | METROPOLITAN LIFE INSURANCE COMPANY | $4K | — | $4K | 8.78% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES, LLC | 9811 KATY FREEWAY, SUITE 500 HOUSTON, TX 77024 | METROPOLITAN LIFE INSURANCE COMPANY | — | $1K | $1K | 2.92% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES, LLC | 840 GESSNER, SUITE 600 HOUSTON, TX 77024 | METROPOLITAN LIFE INSURANCE COMPANY | $548 | — | $548 | 1.22% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES, LLC | 1445 ROSS AVENUE, SUITE 4200 DALLAS, TX 75202 | NATIONAL GUARDIAN LIFE INSURANCE COMPANY | $1K | — | $1K | 5.85% |
| SUMMIT GLOBAL PARTNERS OF TX, INC.3 | 7550 IH 10 WEST, SUITE 700 SAN ANTONIO, TX 78229 | NATIONAL GUARDIAN LIFE INSURANCE COMPANY | $1K | — | $1K | 4.08% |
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 | 241 | 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) | 241 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUECROSS BLUESHIELD OF TEXAS | 524 | $1.9M |
| Dental | BLUECROSS BLUESHIELD OF TEXAS | 524 | $1.9M |
| Vision | NATIONAL GUARDIAN LIFE INSURANCE COMPANY | 253 | $25K |
| Life insurance(2 contracts, 2 carriers) | KANAWHA INSURANCE COMPANY | 258 | $210K |
| Short-term disability | KANAWHA INSURANCE COMPANY | 149 | $165K |
| Prescription drug | BLUECROSS BLUESHIELD OF TEXAS | 524 | $1.9M |
| Other(2 contracts, 2 carriers) | KANAWHA INSURANCE COMPANY | 258 | $210K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 524 | — |
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.