| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| USI INSURANCE SERVICES LLC3 | PO BOX 61187 VIRGINIA BEACH, VA 23466 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $27K | $15K | $42K | 15.08% |
| DARIN POTTS3 | 100 DETERING STREET APARTMENT 2128 HOUSTON, TX 77007 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $4K | $4K | $8K | 21.95% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVIES SOUTHWEST | 9811 KATY FREEWAY, SUITE 500 HOUSTON, TX 77024 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $4K | $677 | $4K | 12.08% |
| ERIKA BROUSSARD3 | 431 SILVER CREEK CIRCLE RICHMOND, TX 77406 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $1K | $1K | $3K | 6.84% |
| BOWLES INSURANCE SERVICES LLC3 | 12816 SOUTH WINDING PINES DRIVE TOMBALL, TX 77375 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $809 | $433 | $1K | 3.35% |
| HOWARD HOROWITZ3 Filed as: HOWARD J. HOROWITZ | 2610 ALCOTT STREET CARMEL, IN 46032 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $84 | $0 | $84 | 0.23% |
| TIMOTHY J REED3 Filed as: TIMOTHY J. REED | 21 AZALEA DRIVE LUMBERTON, NJ 08048 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $17 | $0 | $17 | 0.05% |
| MARIA VERONICA JARQUE3 | 4744 NORTH PAULINA STREET APARTMENT 1E CHICAGO, IL 60640 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $13 | $0 | $13 | 0.04% |
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 | 128 | 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) | 128 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | UNITED OF OMAHA LIFE INSURANCE COMPANY | 128 | $277K |
| Vision | UNITED OF OMAHA LIFE INSURANCE COMPANY | 128 | $277K |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 128 | $277K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 128 | $277K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 128 | $277K |
| Other(2 contracts, 2 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 128 | $315K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 128 | — |
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.