| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| USI INSURANCE SERVICES LLC3 Filed as: USI SOUTHWEST, INC. | 840 GESSNER ROAD, SUITE 600 HOUSTON, TX 77024 | BLUECROSS BLUESHIELD OF TEXAS | $39K | $1K | $40K | 6.62% |
| USI INSURANCE SERVICES LLC3 Filed as: USI SOUTHWEST, INC. | 9811 KATY FREEWAY, SUITE 500 HOUSTON, TX 77024 | DEARBORN LIFE INSURANCE COMPANY | $9K | $4K | $13K | 24.92% |
| USI INSURANCE SERVICES LLC3 Filed as: USI SOUTHWEST, INC. | 9811 KATY FREEWAY, SUITE 500 HOUSTON, TX 77024 | AETNA LIFE INSURANCE COMPANY | $2K | $49 | $2K | 4.73% |
| VICKIE DENESE GRAVES3 | 29214 JACOBS RIVER DRIVE KATY, TX 77494 | AFLAC | $2K | $0 | $2K | 4.50% |
| USI INSURANCE SERVICES LLC3 Filed as: USI SOUTHWEST, INC. | 840 GESSNER ROAD, SUITE 600 HOUSTON, TX 77024 | AFLAC | $2K | $0 | $2K | 4.13% |
| MARY E HUCKABEE3 Filed as: MARY S. GILBREATH AND OTHER AGENTS | 1327 MEADOWLARK LANE SUGAR LAND, TX 77478 | AFLAC | $2K | $62 | $2K | 4.04% |
| JAMES W. TOPE3 | 19415 TIMBER RIDGE DRIVE MAGNOLIA, TX 77355 | AFLAC | $1K | $27 | $1K | 2.65% |
| TODD A STULL3 Filed as: TODD A. STULL | 810 SOUTH MASON ROAD, SUITE 102 KATY, TX 77450 | AFLAC | $806 | $11 | $817 | 1.98% |
| ERIC D WESTALL3 Filed as: ERIC D. WESTALL | 2626 SOUTH LOOP WEST, SUITE 340 HOUSTON, TX 77054 | AFLAC | $371 | $0 | $371 | 0.90% |
| VERONICA ESTRADA3 Filed as: VERONICA ESTRADA SEAY | 2614 SOUTH WILDWIND CIRCLE THE WOODLANDS, TX 77380 | AFLAC | $332 | $0 | $332 | 0.80% |
| USI INSURANCE SERVICES LLC3 | PO BOX 61187 VIRGINIA BEACH, VA 23466 | EYEMED VISION CARE | $2K | $0 | $2K | 12.28% |
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 | 200 | 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) | 200 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUECROSS BLUESHIELD OF TEXAS | 166 | $608K |
| Dental | AETNA LIFE INSURANCE COMPANY | 197 | $48K |
| Vision | EYEMED VISION CARE | 151 | $12K |
| Life insurance | DEARBORN LIFE INSURANCE COMPANY | 471 | $51K |
| Short-term disability | DEARBORN LIFE INSURANCE COMPANY | 471 | $51K |
| Long-term disability | DEARBORN LIFE INSURANCE COMPANY | 471 | $51K |
| Prescription drug | BLUECROSS BLUESHIELD OF TEXAS | 166 | $608K |
| Other(2 contracts, 2 carriers) | DEARBORN LIFE INSURANCE COMPANY | 471 | $92K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 471 | — |
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.