| 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 | $25K | $900 | $26K | 4.54% |
| USI INSURANCE SERVICES LLC3 Filed as: USI SOUTHWEST, INC. | 9811 KATY FREEWAY, SUITE 500 HOUSTON, TX 77024 | DEARBORN LIFE INSURANCE COMPANY | $8K | $3K | $11K | 21.62% |
| USI INSURANCE SERVICES LLC3 Filed as: USI SOUTHWEST, INC. | 9811 KATY FREEWAY, SUITE 500 HOUSTON, TX 77024 | CONTINENTAL AMERICAN INSURANCE COMPANY | $2K | $0 | $2K | 6.58% |
| SAUL GARCIA3 | 15006 SIERRA RIDGE HUMBLE, TX 77396 | CONTINENTAL AMERICAN INSURANCE COMPANY | $1K | $0 | $1K | 3.78% |
| DEBRA L SCHMIDT3 Filed as: DEBRA LA GATTA SCHMIDT | 7207 SANDY ISLE LANE SPRING, TX 77389 | CONTINENTAL AMERICAN INSURANCE COMPANY | $695 | $0 | $695 | 2.32% |
| NICOLE LYNN RIHANEK3 | 5627 ASHLEY OAKS DRIVE, SUITE 4 TAMPA, FL 33617 | CONTINENTAL AMERICAN INSURANCE COMPANY | $328 | $0 | $328 | 1.09% |
| TYLER VAUGHN3 | 43 STEEP TRAIL PLACE CONROE, TX 77385 | CONTINENTAL AMERICAN INSURANCE COMPANY | $210 | $0 | $210 | 0.70% |
| USI INSURANCE SERVICES LLC3 Filed as: USI SOUTHWEST, INC. | 9811 KATY FREEWAY, SUITE 500 HOUSTON, TX 77024 | AETNA LIFE INSURANCE COMPANY | $2K | $92 | $2K | 5.83% |
| USI INSURANCE SERVICES LLC3 | PO BOX 61187 VIRGINIA BEACH, VA 23466 | EYEMED VISION CARE ON BEHALF OF FIDELITY SECURITY LIFE INSURANCE CO. | $1K | $0 | $1K | 10.75% |
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 | 102 | 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) | 102 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUECROSS BLUESHIELD OF TEXAS | 108 | $564K |
| Dental | AETNA LIFE INSURANCE COMPANY | 122 | $27K |
| Vision | EYEMED VISION CARE ON BEHALF OF FIDELITY SECURITY LIFE INSURANCE CO. | 112 | $11K |
| Life insurance | DEARBORN LIFE INSURANCE COMPANY | 102 | $52K |
| Short-term disability | DEARBORN LIFE INSURANCE COMPANY | 102 | $52K |
| Long-term disability | DEARBORN LIFE INSURANCE COMPANY | 102 | $52K |
| Prescription drug | BLUECROSS BLUESHIELD OF TEXAS | 108 | $564K |
| Other(2 contracts, 2 carriers) | DEARBORN LIFE INSURANCE COMPANY | 102 | $82K |
| 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.