| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| USI INSURANCE SERVICES LLC3 Filed as: USI SOUTHWEST, INC. | 840 GESSNER ROAD, SUITE 600 HOUSTON, TX 77024 | FOUR EVER LIFE INSURANCE COMPANY | $205K | $0 | $205K | 4.00% |
| USI INSURANCE SERVICES LLC3 Filed as: USI SOUTHWEST, INC. | PO BOX 61187 VIRGINIA BEACH, VA 23466 | SUN LIFE ASSURANCE COMPANY OF CANADA | $201K | $0 | $201K | 9.38% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES, LLC | PO BOX 62937 VIRGINIA BEACH, VA 23466 | SUN LIFE ASSURANCE COMPANY OF CANADA | $0 | $88K | $88K | 4.09% |
| ALLIANT INSURANCE SERVICES, INC.3 | 401 UNION STREET, SUITE 3100 SEATTLE, WA 98101 | SUN LIFE ASSURANCE COMPANY OF CANADA | $43K | $0 | $43K | 2.02% |
| USI INSURANCE SERVICES LLC3 Filed as: USI SOUTHWEST, INC. | 840 GESSNER ROAD, SUITE 600 HOUSTON, TX 77024 | DELAWARE AMERICAN LIFE INSURANCE COMPANY | $3K | $0 | $3K | 3.98% |
| USI INSURANCE SERVICES LLC3 Filed as: USI SOUTHWEST, INC. | 840 GESSNER ROAD, SUITE 600 HOUSTON, TX 77024 | KAISER FOUNDATION HEALTH PLAN, INC. | $1K | $0 | $1K | 3.44% |
| ALLIANT INSURANCE SERVICES, INC.3 | 1420 5TH AVENUE SEATTLE, WA 98101 | KAISER FOUNDATION HEALTH PLAN, INC. | $545 | $0 | $545 | 1.46% |
| USI INSURANCE SERVICES LLC3 Filed as: USI SOUTHWEST | 9811 KATY FREEWAY, SUITE 500 HOUSTON, TX 77024 | LEGAL ACCESS SERVICES GROUP, LLC | $4K | — | $4K | 10.00% |
| ALLIANT INSURANCE SERVICES, INC.3 | — | LEGAL ACCESS SERVICES GROUP, LLC | $4K | — | $4K | 10.00% |
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 | 1,841 | 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) | 1,841 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | FOUR EVER LIFE INSURANCE COMPANY | 1,507 | $5.2M |
| Dental(2 contracts, 2 carriers) | FOUR EVER LIFE INSURANCE COMPANY | 1,841 | $7.3M |
| Vision(2 contracts, 2 carriers) | FOUR EVER LIFE INSURANCE COMPANY | 1,841 | $7.3M |
| Life insurance(2 contracts, 2 carriers) | SUN LIFE ASSURANCE COMPANY OF CANADA | 1,841 | $2.2M |
| Short-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 1,841 | $2.1M |
| Long-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 1,841 | $2.1M |
| Prescription drug(2 contracts, 2 carriers) | FOUR EVER LIFE INSURANCE COMPANY | 1,507 | $5.2M |
| Other(3 contracts, 3 carriers) | SUN LIFE ASSURANCE COMPANY OF CANADA | 1,841 | $2.3M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,841 | — |
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.