| 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 | $43K | $3K | $45K | 5.21% |
| USI INSURANCE SERVICES LLC3 Filed as: USI SOUTHWEST, INC. | 9811 KATY FREEWAY, SUITE 500 HOUSTON, TX 77024 | DEARBORN NATIONAL LIFE INSURANCE COMPANY | $12K | $3K | $15K | 18.57% |
| USI INSURANCE SERVICES LLC3 Filed as: USI SOUTHWEST, INC. | 9811 KATY FREEWAY, SUITE 500 HOUSTON, TX 77024 | AETNA LIFE INSURANCE COMPANY | $3K | $0 | $3K | 5.02% |
| MICHAEL ANDREW RIVERA3 Filed as: MICHAEL RIVERA AND OTHER AGENTS | 13201 NORTHWEST FREEWAY, SUITE 265 HOUSTON, TX 77040 | AFLAC | $2K | $8 | $2K | 3.60% |
| JAMES TOPE3 | 19415 TIMBER RIDGE DRIVE MAGNOLIA, TX 77355 | AFLAC | $2K | $237 | $2K | 3.48% |
| USI INSURANCE SERVICES LLC3 Filed as: USI SOUTHWEST, INC. | 840 GESSNER ROAD, SUITE 600 HOUSTON, TX 77024 | AFLAC | $1K | $0 | $1K | 2.20% |
| OSCAR ALEXIS WILLIAMS3 Filed as: OSCAR WILLIAMS | 13107 SHOALWATER LANE PEARLAND, TX 77584 | AFLAC | $785 | $0 | $785 | 1.49% |
| TODD A STULL3 Filed as: TODD STULL | 8203 WILLOW PLACE DRIVE SOUTH SUITE 510 HOUSTON, TX 77070 | AFLAC | $672 | $41 | $713 | 1.35% |
| ERIC D WESTALL3 Filed as: ERIC WESTALL | 2626 SOUTH LOOP WEST, SUITE 340 HOUSTON, TX 77054 | AFLAC | $652 | $0 | $652 | 1.23% |
| MARY E HUCKABEE Filed as: MARY GILBREATH | 1327 MEADOWLARK LANE SUGAR LAND, TX 77478 | AFLAC | $526 | $0 | $526 | 1.00% |
| USI INSURANCE SERVICES LLC3 | PO BOX 61187 VIRGINIA BEACH, VA 23466 | EYEMED VISION CARE | $2K | $0 | $2K | 10.31% |
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 | 190 | 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) | 190 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUECROSS BLUESHIELD OF TEXAS | 216 | $873K |
| Dental | AETNA LIFE INSURANCE COMPANY | 243 | $60K |
| Vision | EYEMED VISION CARE | 184 | $19K |
| Life insurance | DEARBORN NATIONAL LIFE INSURANCE COMPANY | 182 | $82K |
| Short-term disability | DEARBORN NATIONAL LIFE INSURANCE COMPANY | 182 | $82K |
| Long-term disability | DEARBORN NATIONAL LIFE INSURANCE COMPANY | 182 | $82K |
| Prescription drug | BLUECROSS BLUESHIELD OF TEXAS | 216 | $873K |
| Other(2 contracts, 2 carriers) | DEARBORN NATIONAL LIFE INSURANCE COMPANY | 182 | $134K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 243 | — |
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.