| 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 | $20K | $76K | $96K | 4.24% |
| USI INSURANCE SERVICES LLC3 Filed as: USI SOUTHWEST, INC | P.O. BOX 218060 HOUSTON, TX 772188060 | LINCOLN NATIONAL LIFE INSURANCE COMPANY (DENTAL) | $10K | — | $10K | 10.00% |
| USI INSURANCE SERVICES LLC3 Filed as: USI SOUTHWEST, INC | 840 GESSNER RD STE 600 HOUSTON, TX 77024 | METROPOLITAN LIFE INSURANCE COMPANY | $20K | — | $20K | 20.02% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INS SERVICES, LLC | 840 GESSNER RD STE 600 HOUSTON, TX 77024 | METROPOLITAN LIFE INSURANCE COMPANY | — | $24 | $24 | 0.02% |
| USI INSURANCE SERVICES LLC3 Filed as: USI SOUTHWEST, INC | P.O. BOX 218060 HOUSTON, TX 772188060 | LINCOLN NATIONAL LIFE INSURANCE COMPANY (LIFE) | $3K | — | $3K | 15.00% |
| 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% |
| USI INSURANCE SERVICES LLC3 Filed as: USI SOUTHWEST, INC | P.O. BOX 61187 VIRGINIA BEACH, VA 23466 | LINCOLN NATIONAL LIFE INSURANCE COMPANY (LTD) | $505 | — | $505 | 15.01% |
| MS BENEFITS TEAM3 Filed as: THE BENEFITS TEAM, INC | 840 GESSNER RD, STE 600 HOUSTON, TX 77024 | AMERICAN FIDELITY ASSURANCE COMPANY | $119 | — | $119 | 5.27% |
| TEXAS AUTO DEALERS ASSOCIATION3 | 1108 LAVACA, STE 800 AUSTIN, TX 78701 | AMERICAN FIDELITY ASSURANCE COMPANY | — | $96 | $96 | 4.26% |
| AMERICAN LIFE & CASUALTY3 Filed as: AMERICAN LIFE & CASUALTY MARKETING | 11825 PENNSYLVANIA AVE. CARMEL, IN 46032 | WASHINGTON NATIONAL | $269 | — | $269 | 15.19% |
| USB HEALTH LLC3 Filed as: USB HEALTH, LLC | 4550 HWY 360, SUITE 190 GRAPEVINE, TX 76051 | WASHINGTON NATIONAL | $65 | — | $65 | 3.67% |
| PERFORMANCE MATTERS ASSOCIATES3 Filed as: PERFORMANCE MATTERS ASSOCIATES, INC | 11825 PENNSYLVANIA AVE. CARMEL, IN 46032 | WASHINGTON NATIONAL | $24 | — | $24 | 1.36% |
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 | 488 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 488 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 397 | $2.3M |
| Dental | LINCOLN NATIONAL LIFE INSURANCE COMPANY (DENTAL) | 267 | $99K |
| Vision | NATIONAL VISION ADMINISTRATORS, L.L.C. | 400 | $17K |
| Life insurance(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 488 | $115K |
| Short-term disability(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 488 | $115K |
| Long-term disability | LINCOLN NATIONAL LIFE INSURANCE COMPANY (LTD) | 9 | $3K |
| Prescription drug | UNITEDHEALTHCARE INSURANCE COMPANY | 397 | $2.3M |
| Other(2 contracts, 2 carriers) | AMERICAN FIDELITY ASSURANCE COMPANY | 10 | $4K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 488 | — |
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.