| 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 77042 | BLUECROSS BLUESHIELD OF TEXAS | $38K | $2K | $40K | 4.66% |
| INSURANCE APPLICATIONS GROUP3 | UNKNOWN KATY, TX 77450 | BCS INSURANCE COMPANY | $104K | $0 | $104K | 19.93% |
| PLANNED ADMINISTRATORS, INC.3 | UNKNOWN KATY, TX 77450 | BCS INSURANCE COMPANY | $0 | $76K | $76K | 14.50% |
| INSURANCE APPLICATIONS GROUP3 | UNKNOWN KATY, TX 77450 | 4 EVER LIFE INSURANCE COMPANY | $10K | $0 | $10K | 23.00% |
| PLANNED ADMINISTRATORS, INC.3 | UNKNOWN KATY, TX 77450 | 4 EVER LIFE INSURANCE COMPANY | $0 | $6K | $6K | 14.50% |
| USI INSURANCE SERVICES LLC3 Filed as: USI SOUTHWEST, INC. | 9811 KATY FREEWAY, SUITE 500 HOUSTON, TX 77042 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $7K | $1K | $9K | 23.87% |
| USI INSURANCE SERVICES LLC3 Filed as: USI SOUTHWEST, INC. | 9811 KATY FREEWAY, SUITE 500 HOUSTON, TX 77042 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $765 | $155 | $920 | 12.03% |
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 | 597 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 3 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 601 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | BLUECROSS BLUESHIELD OF TEXAS | 499 | $1.4M |
| Dental(2 contracts, 2 carriers) | BLUECROSS BLUESHIELD OF TEXAS | 499 | $1.4M |
| Vision(2 contracts, 2 carriers) | BCS INSURANCE COMPANY | 499 | $531K |
| Life insurance(2 contracts, 2 carriers) | 4 EVER LIFE INSURANCE COMPANY | 297 | $79K |
| Short-term disability | 4 EVER LIFE INSURANCE COMPANY | 297 | $43K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 98 | $37K |
| Prescription drug(2 contracts, 2 carriers) | BLUECROSS BLUESHIELD OF TEXAS | 499 | $1.4M |
| Other | UNUM LIFE INSURANCE COMPANY OF AMERICA | 98 | $37K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 499 | — |
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.