| 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 | AETNA LIFE INSURANCE CO. | $11K | $82K | $93K | 3.99% |
| USI INSURANCE SERVICES LLC3 Filed as: USI SOUTHWEST, INC | 4605 COLUMBUS ST. VIRGINIA BEACH, VA 23462 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | $10K | — | $10K | 9.76% |
| 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 | — | $1K | $1K | 1.34% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INS SERVICES LLC | SUITE 400 ONE INTERNATIONAL PLZ PHILADELPHIA, PA 19113 | HARTFORD LIFE & ACCIDENT | $14K | — | $14K | 15.00% |
| USI INSURANCE SERVICES LLC3 Filed as: USI SOUTHWEST, INC | P.O. BOX 61187 VIRGINIA BEACH, VA 234661187 | METROPOLITAN LIFE INSURANCE COMPANY | $9K | $597 | $9K | 25.18% |
| USI INSURANCE SERVICES LLC3 Filed as: USI SOUTHWEST, INC | 100 SUMMIT LAKE DRIVE, SUITE 400 VALHALLA, NY 10595 | NATIONAL VISION ADMINISTRATORS, L.L.C. | $2K | — | $2K | 10.00% |
| TEXAS AUTO DEALERS ASSOCIATION3 | 1108 LAVACA, STE 800 AUSTIN, TX 78701 | AMERICAN FIDELITY ASSURANCE COMPANY | — | $73 | $73 | 4.13% |
| MS BENEFITS TEAM3 Filed as: THE BENEFITS TEAM, INC | 840 GESSNER RD STE 600 HOUSTON, TX 77024 | AMERICAN FIDELITY ASSURANCE COMPANY | $67 | — | $67 | 3.79% |
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 | 518 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 518 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | AETNA LIFE INSURANCE CO. | 376 | $2.3M |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 302 | $103K |
| Vision | NATIONAL VISION ADMINISTRATORS, L.L.C. | 462 | $19K |
| Life insurance | HARTFORD LIFE & ACCIDENT | 518 | $95K |
| Short-term disability(2 contracts, 2 carriers) | HARTFORD LIFE & ACCIDENT | 518 | $131K |
| Long-term disability | HARTFORD LIFE & ACCIDENT | 518 | $95K |
| Other | AMERICAN FIDELITY ASSURANCE COMPANY | 7 | $2K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 518 | — |
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.
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.