| 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 77024 | BLUECROSS BLUESHIELD OF TEXAS | $45K | $0 | $45K | 4.98% |
| USI INSURANCE SERVICES LLC3 Filed as: USI SOUTHWEST, INC. | 9811 KATY FREEWAY, SUITE 500 HOUSTON, TX 77024 | DEARBORN NATIONAL LIFE INSURANCE COMPANY | $14K | $9K | $23K | 25.23% |
| JAMES TOPE3 | 19415 TIMBER RIDGE DRIVE MAGNOLIA, TX 77355 | AFLAC | $4K | $537 | $4K | 5.64% |
| MJ INSURANCE3 Filed as: KEREN DELAUNE AND VARIOUS AGENTS | 175 SOUTH HALL DRIVE SUGAR LAND, TX 77478 | AFLAC | $3K | $371 | $3K | 4.17% |
| USI INSURANCE SERVICES LLC3 Filed as: USI SOUTHWEST, INC. | 840 GESSNER ROAD, SUITE 600 HOUSTON, TX 77024 | AFLAC | $2K | $0 | $2K | 2.98% |
| TODD A STULL3 Filed as: TODD STULL | 8203 WILLOW PLACE DRIVE SOUTH SUITE 510 HOUSTON, TX 77054 | AFLAC | $1K | $205 | $2K | 1.97% |
| ERIC D WESTALL3 Filed as: ERIC WESTALL | 2626 SOUTH LOOP WEST, SUITE 340 HOUSTON, TX 77054 | AFLAC | $991 | $0 | $991 | 1.27% |
| MARY E HUCKABEE3 Filed as: MARY GILBREATH | 1327 MEADOWLARK LANE SUGAR LAND, TX 77478 | AFLAC | $822 | $0 | $822 | 1.05% |
| MICHAEL RIVERA3 | 13201 NW FREEWAY, SUITE 265 HOUSTON, TX 77040 | AFLAC | $741 | $0 | $741 | 0.95% |
| USI INSURANCE SERVICES LLC3 Filed as: USI SOUTHWEST, INC. | 9811 KATY FREEWAY, SUITE 500 HOUSTON, TX 77024 | AETNA LIFE INSURANCE COMPANY | $4K | $4K | $8K | 12.19% |
| USI INSURANCE SERVICES LLC3 Filed as: USI SOUTHWEST, INC. | 840 GESSNER ROAD, SUITE 600 HOUSTON, TX 77024 | AETNA LIFE INSURANCE COMPANY | $1K | $92 | $1K | 1.72% |
| USI INSURANCE SERVICES LLC3 | PO BOX 61187 VIRGINIA BEACH, VA 23466 | EYEMED VISION CARE | $2K | $0 | $2K | 10.09% |
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 | 221 | 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) | 221 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUECROSS BLUESHIELD OF TEXAS | 273 | $900K |
| Dental | AETNA LIFE INSURANCE COMPANY | 295 | $64K |
| Vision | EYEMED VISION CARE | 269 | $22K |
| Life insurance | DEARBORN NATIONAL LIFE INSURANCE COMPANY | 221 | $91K |
| Short-term disability | DEARBORN NATIONAL LIFE INSURANCE COMPANY | 221 | $91K |
| Long-term disability | DEARBORN NATIONAL LIFE INSURANCE COMPANY | 221 | $91K |
| Prescription drug | BLUECROSS BLUESHIELD OF TEXAS | 273 | $900K |
| Other(2 contracts, 2 carriers) | DEARBORN NATIONAL LIFE INSURANCE COMPANY | 221 | $170K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 295 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.