| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| USI INSURANCE SERVICES LLC3 | PO BOX 61187 VIRGINIA BEACH, VA 23466 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $11K | $5K | $16K | 18.18% |
| USI INSURANCE SERVICES LLC3 Filed as: USI SOUTHWEST, INC. | 9811 KATY FREEWAY, SUITE 500 HOUSTON, TX 77024 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $5K | $0 | $5K | 25.39% |
| LONE STAR HEALTH PLANS LTD3 Filed as: LONE STAR HEALTH PLANS, LTD. | PO BOX 1466 SUGAR LAND, TX 77487 | UNUM LIFE INSURANCE COMPANY OF AMERICA | -$2K | $0 | -$2K | -10.39% |
| EDUCATIONAL EDGE, INC.4 | 24200 SW FREEWAY, SUITE 402-355 ROSENBERG, TX 77471 | PRE-PAID LEGAL SERVICES, INC. DBA LEGALSHIELD | $856 | $0 | $856 | 16.51% |
| USI INSURANCE SERVICES LLC4 Filed as: USI SOUTHWEST, INC. | 9811 KATY FREEWAY, SUITE 500 HOUSTON, TX 77024 | PRE-PAID LEGAL SERVICES, INC. DBA LEGALSHIELD | $334 | $0 | $334 | 6.44% |
| LYNNE MULCAHY4 | 4802 SCHILLER PARK LANE SUGARLAND, TX 77479 | PRE-PAID LEGAL SERVICES, INC. DBA LEGALSHIELD | $53 | $0 | $53 | 1.02% |
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 | 128 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 128 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 128 | $88K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 128 | $88K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 128 | $88K |
| Other(3 contracts, 3 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 128 | $112K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 128 | — |
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.