| 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 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | $88K | — | $88K | 3.50% |
| USI INSURANCE SERVICES LLC3 Filed as: USI SOUTHWEST, INC | 9811 KATY FWY STE 500 HOUSTON, TX 77024 | METROPOLITAN LIFE INSURANCE COMPANY | $21K | $2K | $23K | 21.24% |
| USI INSURANCE SERVICES LLC3 Filed as: USI SOUTHWEST, INC | P.O. BOX 61187 VIRGINIA BEACH, VA 23466 | LINCOLN NATIONAL LIFE INSURANCE COMPANY (LIFE) | $3K | $788 | $4K | 18.84% |
| USI INSURANCE SERVICES LLC3 Filed as: USI SOUTHWEST, INC | 9811 KATY FWY STE 500 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) | $400 | $131 | $531 | 19.91% |
| MS BENEFITS TEAM3 Filed as: THE BENEFITS TEAM, INC | 840 GESSNER RD STE 600 HOUSTON, TX 77024 | AMERICAN FIDELITY ASSURANCE COMPANY | $98 | — | $98 | 4.66% |
| TEXAS AUTO DEALERS ASSOCIATION3 | 1108 LAVACA, STE 800 AUSTIN, TX 78701 | AMERICAN FIDELITY ASSURANCE COMPANY | — | $85 | $85 | 4.04% |
| AMERICAN LIFE & CASUALTY3 Filed as: AMERICAN LIFE & CASUALTY MARKETING | 11825 PENNSYLVANIA AVE. CARMEL, IN 46032 | WASHINGTON NATIONAL | $194 | — | $194 | 24.62% |
| USB HEALTH LLC3 Filed as: USB HEALTH, LLC | 4550 HWY 360, SUITE 190 GRAPEVINE, TX 76051 | WASHINGTON NATIONAL | $52 | — | $52 | 6.60% |
| PERFORMANCE MATTERS ASSOCIATES3 Filed as: PERFORMANCE MATTERS ASSOCIATES, INC | 11825 PENNSYLVANIA AVE. CARMEL, IN 46032 | WASHINGTON NATIONAL | $13 | — | $13 | 1.65% |
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 | 512 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 512 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 448 | $2.5M |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 448 | $2.5M |
| Vision | NATIONAL VISION ADMINISTRATORS, L.L.C. | 441 | $18K |
| Life insurance(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 512 | $127K |
| Short-term disability(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 512 | $127K |
| Long-term disability | LINCOLN NATIONAL LIFE INSURANCE COMPANY (LTD) | 7 | $3K |
| Prescription drug | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 448 | $2.5M |
| Other(2 contracts, 2 carriers) | AMERICAN FIDELITY ASSURANCE COMPANY | 9 | $3K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 512 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
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.