| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| USI INSURANCE SERVICES LLC3 Filed as: USI SOUTHWEST, INC. | 2711 HASKALL AVE, SUITE 2000 DALLAS, TX 75204 | BLUE CROSS BLUE SHIELD OF TEXAS | $64K | — | $64K | 3.62% |
| USI INSURANCE SERVICES LLC3 Filed as: USI SOUTHWEST, INC. | P.O. BOX 61187 VIRGINIA BEACH, VA 23466 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $34K | — | $34K | 15.00% |
| USI INSURANCE SERVICES LLC Filed as: USI INSURANCE SERVICES, LLC | P.O. BOX 62889 VIRGINIA BEACH, VA 23466 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | — | $0 | 0.00% |
| ANCO INS. SVC. OF BRYAN COLLEGE STA3 Filed as: ANCO INSURANCE SERVICES OF HOUSTON | 9811 KATY FWY STE 500 HOUSTON, TX 770241227 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $9K | — | $9K | 7.45% |
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 | 251 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 251 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF TEXAS | 251 | $1.8M |
| Dental | RELIANCE STANDARD LIFE INSURANCE COMPANY | 334 | $121K |
| Vision | RELIANCE STANDARD LIFE INSURANCE COMPANY | 334 | $121K |
| Life insurance | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 224 | $227K |
| Short-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 224 | $227K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 224 | $227K |
| Other | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 224 | $227K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 334 | — |
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.