| 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 | BLUECROSS BLUESHIELD OF TEXAS | $45K | $827 | $46K | 5.36% |
| INSURANCE APPLICATIONS GROUP3 | UNKNOWN KATY, TX 77450 | BCS INSURANCE COMPANY | $117K | $0 | $117K | 19.62% |
| PLANNED ADMINISTRATORS, INC.5 | UNKNOWN KATY, TX 77450 | BCS INSURANCE COMPANY | — | $86K | $86K | 14.50% |
| USI INSURANCE SERVICES LLC3 Filed as: USI SOUTHWEST, INC. | THREE MEMORIAL CITY, SUITE 600 HOUSTON, TX 77024 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $8K | $533 | $8K | 21.50% |
| INSURANCE APPLICATIONS GROUP3 | UNKNOWN KATY, TX 77450 | 4 EVER LIFE INSURANCE COMPANY | $8K | $0 | $8K | 22.23% |
| PLANNED ADMINISTRATORS, INC.5 | UNKNOWN KATY, TX 77450 | 4 EVER LIFE INSURANCE COMPANY | — | $5K | $5K | 14.50% |
| USI INSURANCE SERVICES LLC3 Filed as: USI SOUTHWEST, INC. | 9811 KATY FREEWAY, SUITE 500 HOUSTON, TX 77024 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $881 | $0 | $881 | 10.00% |
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 | 699 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 3 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 702 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | BLUECROSS BLUESHIELD OF TEXAS | 613 | $1.5M |
| Dental(3 contracts, 3 carriers) | BLUECROSS BLUESHIELD OF TEXAS | 613 | $1.5M |
| Vision(2 contracts, 2 carriers) | BCS INSURANCE COMPANY | 613 | $604K |
| Life insurance(2 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 245 | $73K |
| Short-term disability | 4 EVER LIFE INSURANCE COMPANY | 245 | $35K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 117 | $39K |
| Prescription drug(2 contracts, 2 carriers) | BLUECROSS BLUESHIELD OF TEXAS | 613 | $1.5M |
| Other | UNUM LIFE INSURANCE COMPANY OF AMERICA | 117 | $39K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 613 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.