| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| USI INSURANCE SERVICES LLC3 | PO BOX 61187 VIRGINIA BEACH, VA 23466 | RELIASTAR LIFE INSURANCE COMPANY | $24K | $0 | $24K | 10.52% |
| USI INSURANCE SERVICES LLC3 | 100 SUMMIT LAKE DRIVE, SUITE 400 VALHALLA, NY 10595 | RELIASTAR LIFE INSURANCE COMPANY | $12K | $0 | $12K | 5.27% |
| USI INSURANCE SERVICES LLC3 Filed as: USI SOUTHWEST, INC. | 9811 KATY FREEWAY, SUITE 500 HOUSTON, TX 77024 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $13K | $3K | $16K | 12.29% |
| DARIN POTTS3 | 100 DETERING STREET, APARTMENT 2128 HOUSTON, TX 77007 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $5K | $4K | $9K | 20.58% |
| USI INSURANCE SERVICES LLC3 Filed as: USI SOUTHWEST, INC. | 9811 KATY FREEWAY, SUITE 500 HOUSTON, TX 77024 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $4K | $414 | $4K | 9.53% |
| BOWLES INSURANCE SERVICES LLC3 Filed as: BOWLES INSURANCE SERVICES, LLC | 12816 SOUTH WINDING PINES DRIVE TOBALL, TX 77375 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $670 | $345 | $1K | 2.36% |
| HOWARD HOROWITZ3 Filed as: HOWARD J. HOROWITZ | 2610 ALCOTT STREET CARMEL, IN 46032 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $109 | $0 | $109 | 0.25% |
| TIMOTHY J REED3 Filed as: TIMOTHY J. REED | 21 AZALEA DRIVE LUMBERTON, NJ 08048 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $89 | $0 | $89 | 0.21% |
| MARIA VERONICA JARQUE3 | 4525 GEORGIA STREET SAN DIEGO, CA 92116 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $68 | $2 | $70 | 0.16% |
| KATHERINE A. KELLY AND OTHER AGENTS3 | 4490 ELDORADO PARKWAY APARTMENT 928 MCKINNEY, TX 75070 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $12 | $3 | $15 | 0.03% |
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 | 183 | 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) | 183 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 152 | $129K |
| Vision | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 152 | $129K |
| Life insurance(2 contracts, 2 carriers) | RELIASTAR LIFE INSURANCE COMPANY | 374 | $273K |
| Short-term disability | RELIASTAR LIFE INSURANCE COMPANY | 374 | $230K |
| Long-term disability | RELIASTAR LIFE INSURANCE COMPANY | 374 | $230K |
| Other(2 contracts, 2 carriers) | RELIASTAR LIFE INSURANCE COMPANY | 374 | $273K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 374 | — |
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.