| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| USI INSURANCE SERVICES LLC3 Filed as: USI SOUTHWEST INC | 9811 KATY FWY, SUITE 500 HOUSTON, TX 77024 | BLUECROSS BLUESHIELD OF TEXAS | $11K | $642 | $11K | 2.07% |
| ALLIANT INSURANCE SERVICES, INC.3 | 800 GESSNER, SUITE 300 HOUSTON, TX 77024 | BLUECROSS BLUESHIELD OF TEXAS | $8K | — | $8K | 1.41% |
| DGM SERVICES, INC.3 | 1813 GREENS ROAD HOUSTON, TX 770321201 | BLUECROSS BLUESHIELD OF TEXAS | — | $3 | $3 | 0.00% |
| USI INSURANCE SERVICES LLC3 Filed as: USI SOUTHWEST INC. | 9811 KATY FREEWAY, SUITE 500 HOUSTON, TX 77024 | DEARBORN LIFE INSURANCE COMPANY | $5K | $2K | $7K | 14.05% |
| ALLIANT INSURANCE SERVICES, INC.3 | 800 GESSNER, SUITE 300 HOUSTON, TX 77024 | DEARBORN LIFE INSURANCE COMPANY | $4K | — | $4K | 7.33% |
| USI INSURANCE SERVICES LLC3 Filed as: USI SOUTHWEST, INC | 9811 KATY FWY, SUITE 500 HOUSTON, TX 77024 | AETNA LIFE INSURANCE COMPANY | $1K | $77 | $1K | 3.49% |
| ALLIANT INSURANCE SERVICES, INC.3 | 800 GESSNER, SUITE 300 HOUSTON, TX 77024 | AETNA LIFE INSURANCE COMPANY | $521 | — | $521 | 1.65% |
| VARIOUS - SEE ATTACHMENT3 | PO BOX 427 COLUMBIA, SC 29202 | CONTINENTAL AMERICAN INSURANCE COMPANY | $3K | — | $3K | 19.23% |
| USI INSURANCE SERVICES LLC3 Filed as: USI SOURTHWEST INC | PO BOX 61187 VIRGINIA BEACH, VA 23466 | EYEMED VISION CARE | $496 | — | $496 | 5.42% |
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 | 92 | 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) | 92 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUECROSS BLUESHIELD OF TEXAS | 81 | $547K |
| Dental | AETNA LIFE INSURANCE COMPANY | 122 | $32K |
| Vision | EYEMED VISION CARE | 118 | $9K |
| Life insurance | DEARBORN LIFE INSURANCE COMPANY | 92 | $48K |
| Short-term disability | DEARBORN LIFE INSURANCE COMPANY | 92 | $48K |
| Long-term disability | DEARBORN LIFE INSURANCE COMPANY | 92 | $48K |
| Prescription drug | BLUECROSS BLUESHIELD OF TEXAS | 81 | $547K |
| Other(2 contracts, 2 carriers) | DEARBORN LIFE INSURANCE COMPANY | 92 | $64K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 122 | — |
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.