| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| USI INSURANCE SERVICES LLC3 Filed as: USI SOUTHWEST, INC | 14241 DALLAS PKWY., STE. 700 DALLAS, TX 75254 | BLUECROSS BLUESHIELD OF TEXAS | $106K | $10K | $116K | 4.46% |
| USI INSURANCE SERVICES LLC3 Filed as: USI SOUTHWEST, INC | 14241 DALLAS PKWY., STE. 700 DALLAS, TX 75254 | DEARBORN LIFE INSURANCE COMPANY | $15K | — | $15K | 14.99% |
| USI INSURANCE SERVICES LLC3 Filed as: USI SOUTHWEST, INC | P.O. BOX 61187 VIRGINIA BEACH, VA 234661187 | METROPOLITAN LIFE INSURANCE COMPANY | $6K | — | $6K | 18.71% |
| USI INSURANCE SERVICES LLC Filed as: USI SOUTHWEST, INC | 100 SUMMIT LAKE DRIVE, STE 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 | — | $61 | $61 | 4.28% |
| MS BENEFITS TEAM3 Filed as: THE BENEFITS TEAM, INC | 840 GESSNER RD STE 600 HOUSTON, TX 77024 | AMERICAN FIDELITY ASSURANCE COMPANY | $34 | — | $34 | 2.39% |
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 | 494 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 494 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUECROSS BLUESHIELD OF TEXAS | 503 | $2.6M |
| Dental | BLUECROSS BLUESHIELD OF TEXAS | 503 | $2.6M |
| Vision | NATIONAL VISION ADMINISTRATORS, L.L.C. | 446 | $20K |
| Life insurance | DEARBORN LIFE INSURANCE COMPANY | 494 | $98K |
| Short-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 67 | $29K |
| Long-term disability | DEARBORN LIFE INSURANCE COMPANY | 494 | $98K |
| Other(2 contracts, 2 carriers) | DEARBORN LIFE INSURANCE COMPANY | 494 | $99K |
| 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.