| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| USI INSURANCE SERVICES LLC3 Filed as: USI SOUTHWEST INC TX | 9811 KATY FREEWAY, SUITE 500 HOUSTON, TX 77024 | BLUECROSS BLUESHIELD OF TEXAS | $0 | $23K | $23K | 0.74% |
| USI INSURANCE SERVICES LLC3 Filed as: USI SOUTHWEST INC TX | 9811 KATY FREEWAY, SUITE 500 HOUSTON, TX 77024 | DEARBORN LIFE INSURANCE COMPANY | $0 | $6K | $6K | 3.82% |
| PATRICIA DAVIS3 | 3337 WIMBLEDON DRIVE CIBOLO, TX 78108 | AFLAC | $10K | $525 | $11K | 8.16% |
| SCOTT R. FENTON3 Filed as: SCOTT R. FENTON AND OTHER AGENTS | 945 TARAVAL STREET, SUITE 1137 SAN FRANCISCO, CA 94116 | AFLAC | $4K | $150 | $4K | 3.32% |
| ROBIN REED3 | 871 RADIANCE DRIVE CORDOVA, TN 38018 | AFLAC | $3K | $176 | $3K | 2.24% |
| JAMES C FARMER JR3 Filed as: JAMES C. FARMER, JR. | 261 CRIMSON SKY COURT DRIPPING SPRINGS, TX 78620 | AFLAC | $2K | $64 | $2K | 1.57% |
| TRISTAN GAINES3 | 2545 ESPENCHIED NEW BRAUNFELS, TX 78132 | AFLAC | $2K | $143 | $2K | 1.41% |
| WILMA J. WILLIAMS3 | 2602 MOUNTAIN HOME SAN ANTONIO, TX 78251 | AFLAC | $2K | $59 | $2K | 1.23% |
| PARTICIA LYNN COE3 | 301 MAIN PLAZA, SUITE 355 NEW BRAUNFELS, TX 78130 | AFLAC | $1K | $198 | $2K | 1.18% |
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 | 646 | 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) | 646 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUECROSS BLUESHIELD OF TEXAS | 662 | $3.1M |
| Dental | BLUECROSS BLUESHIELD OF TEXAS | 662 | $3.1M |
| Vision | DEARBORN LIFE INSURANCE COMPANY | 646 | $145K |
| Life insurance | DEARBORN LIFE INSURANCE COMPANY | 646 | $145K |
| Short-term disability | AFLAC | 113 | $132K |
| Long-term disability | DEARBORN LIFE INSURANCE COMPANY | 646 | $145K |
| Prescription drug | BLUECROSS BLUESHIELD OF TEXAS | 662 | $3.1M |
| Other(2 contracts, 2 carriers) | DEARBORN LIFE INSURANCE COMPANY | 646 | $277K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 662 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
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.