| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| USI INSURANCE SERVICES LLC3 Filed as: USI SOUTHWEST, INC | 9811 KATY FWY STE 500 HOUSTON, TX 77024 | UNITEDHEALTHCARE INSURANCE COMPANY | $0 | $90K | $90K | 3.67% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INS SERVICES, LLC | P.O. BOX 218060 HOUSTON, TX 77218 | UNITEDHEALTHCARE INSURANCE COMPANY | $0 | $4K | $4K | 0.16% |
| USI INSURANCE SERVICES LLC3 Filed as: USI SOUTHWEST, INC | 9811 KATY FWY STE 500 HOUSTON, TX 77024 | METROPOLITAN LIFE INSURANCE COMPANY | $19K | $4K | $22K | 22.25% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INS SERVICES, LLC | 9811 KATY FWY STE 500 HOUSTON, TX 77024 | METROPOLITAN LIFE INSURANCE COMPANY | — | $27 | $27 | 0.03% |
| USI INSURANCE SERVICES LLC3 Filed as: USI SOUTHWEST, INC | P.O. BOX 61187 VIRGINIA BEACH, VA 23466 | LINCOLN NATIONAL LIFE INSURANCE COMPANY (DENTAL) | $10K | $3K | $12K | 12.82% |
| USI INSURANCE SERVICES LLC3 Filed as: USI SOUTHWEST, INC | P.O. BOX 61187 VIRGINIA BEACH, VA 23466 | LINCOLN NATIONAL LIFE INSURANCE COMPANY (LIFE) | $3K | $931 | $4K | 20.26% |
| 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) | $402 | $195 | $597 | 22.26% |
| 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 | $267 | — | $267 | 17.81% |
| USB HEALTH LLC3 Filed as: USB HEALTH, LLC | 4550 HWY 360, SUITE 190 GRAPEVINE, TX 76051 | WASHINGTON NATIONAL | $64 | — | $64 | 4.27% |
| PERFORMANCE MATTERS ASSOCIATES3 Filed as: PERFORMANCE MATTERS ASSOCIATES, INC | 11825 PENNSYLVANIA AVE. CARMEL, IN 46032 | WASHINGTON NATIONAL | $24 | — | $24 | 1.60% |
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 | 503 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 503 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 343 | $2.5M |
| Dental | LINCOLN NATIONAL LIFE INSURANCE COMPANY (DENTAL) | 251 | $97K |
| Vision | NATIONAL VISION ADMINISTRATORS, L.L.C. | 388 | $17K |
| Life insurance(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 503 | $118K |
| Short-term disability(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 503 | $118K |
| Long-term disability | LINCOLN NATIONAL LIFE INSURANCE COMPANY (LTD) | 7 | $3K |
| Prescription drug | UNITEDHEALTHCARE INSURANCE COMPANY | 343 | $2.5M |
| Other(3 contracts, 3 carriers) | UNITEDHEALTHCARE INSURANCE COMPANY | 343 | $2.5M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 503 | — |
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.