| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| USI INSURANCE SERVICES LLC3 Filed as: USI SOUTHWEST, INC | 840 GESSNER RD STE 600 HOUSTON, TX 77024 | UNITEDHEALTHCARE INSURANCE COMPANY | $13K | $92K | $105K | 4.66% |
| ANCO INS. SVC. OF BRYAN COLLEGE STA3 Filed as: ANCO INSURANCE SERVICES | 840 GESSNER RD STE 600 HOUSTON, TX 77024 | METROPOLITAN LIFE INSURANCE COMPANY | $18K | $523 | $18K | 20.27% |
| USI INSURANCE SERVICES LLC3 Filed as: USI SOUTHWEST, INC | 840 GESSNER RD STE 600 HOUSTON, TX 77024 | NATIONAL VISION ADMINISTRATORS, L.L.C. | $2K | — | $2K | 10.00% |
| ANCO INS. SVC. OF BRYAN COLLEGE STA3 Filed as: ANCO INSURANCE SERVICES | 840 GESSNER RD STE 600 HOUSTON, TX 77024 | HUMANA INSURANCE COMPANY | $9K | $194 | $10K | 97.16% |
| MS BENEFITS TEAM3 Filed as: THE BENEFITS TEAM, INC | 840 GESSNER RD, STE 600 HOUSTON, TX 77024 | AMERICAN FIDELITY ASSURANCE COMPANY | $119 | — | $119 | 5.09% |
| TEXAS AUTO DEALERS ASSOCIATION3 | 1108 LAVACA, STE 800 AUSTIN, TX 78701 | AMERICAN FIDELITY ASSURANCE COMPANY | — | $100 | $100 | 4.28% |
| AMERICAN LIFE & CASUALTY3 Filed as: AMERICAN LIFE & CASUALTY MARKETING | 11825 PENNSYLVANIA AVE. CARMEL, IN 46032 | WASHINGTON NATIONAL | $288 | — | $288 | 16.26% |
| USB HEALTH LLC3 Filed as: USB HEALTH, LLC | 4550 HWY 360, SUITE 190 GRAPEVINE, TX 76051 | WASHINGTON NATIONAL | $70 | — | $70 | 3.95% |
| PERFORMANCE MATTERS ASSOCIATES3 | 8150 N CENTRAL EXPRESSWAY, STE 1300 DALLAS, TX 75206 | WASHINGTON NATIONAL | $26 | — | $26 | 1.47% |
| ENROLLEASE3 Filed as: STRATEGIC BENEFIT PLANNING CORP | 840 GESSNER RD STE 600 HOUSTON, TX 77024 | DEARBORN NATIONAL LIFE INSURANCE COMPANY | $212 | — | $212 | 14.99% |
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 | 294 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 294 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 580 | $2.2M |
| Dental | UNITEDHEALTHCARE INSURANCE COMPANY | 580 | $2.2M |
| Vision | NATIONAL VISION ADMINISTRATORS, L.L.C. | 379 | $16K |
| Life insurance(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 430 | $101K |
| Short-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 307 | $91K |
| Long-term disability | DEARBORN NATIONAL LIFE INSURANCE COMPANY | 15 | $1K |
| Prescription drug | UNITEDHEALTHCARE INSURANCE COMPANY | 580 | $2.2M |
| Other(2 contracts, 2 carriers) | AMERICAN FIDELITY ASSURANCE COMPANY | 10 | $4K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 580 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.