| 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 | $42K | $0 | $42K | 5.08% |
| INSURANCE APPLICATIONS GROUP3 | UNKNOWN KATY, TX 77450 | BCS INSURANCE COMPANY | $95K | $0 | $95K | 19.84% |
| PLANNED ADMINISTRATORS, INC.5 | UNKNOWN KATY, TX 77450 | BCS INSURANCE COMPANY | $0 | $69K | $69K | 14.50% |
| USI INSURANCE SERVICES LLC3 Filed as: USI SOUTHWEST, INC. | 9811 KATY FREEWAY, SUITE 500 HOUSTON, TX 77024 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $5K | $441 | $5K | 12.87% |
| USI INSURANCE SERVICES LLC3 Filed as: USI SOUTHWEST, INC. | 3 MEMORIAL CITY, SUITE 600 840 GESSNER HOUSTON, TX 77024 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $3K | $299 | $4K | 8.72% |
| INSURANCE APPLICATIONS GROUP3 | UNKNOWN KATY, TX 77450 | 4 EVER LIFE INSURANCE COMPANY | $7K | $0 | $7K | 22.95% |
| PLANNED ADMINISTRATORS, INC.5 | UNKNOWN KATY, TX 77450 | 4 EVER LIFE INSURANCE COMPANY | $0 | $4K | $4K | 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 | $915 | $137 | $1K | 11.49% |
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 | 625 | 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) | 625 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | BLUECROSS BLUESHIELD OF TEXAS | 527 | $1.3M |
| Dental(2 contracts, 2 carriers) | BLUECROSS BLUESHIELD OF TEXAS | 527 | $1.3M |
| Vision(2 contracts, 2 carriers) | BCS INSURANCE COMPANY | 527 | $487K |
| Life insurance(2 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 244 | $72K |
| Short-term disability | 4 EVER LIFE INSURANCE COMPANY | 244 | $29K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 97 | $43K |
| Prescription drug(2 contracts, 2 carriers) | BLUECROSS BLUESHIELD OF TEXAS | 527 | $1.3M |
| Other | UNUM LIFE INSURANCE COMPANY OF AMERICA | 97 | $43K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 527 | — |
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.