| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| USI INSURANCE SERVICES LLC3 Filed as: USI SOUTHWEST, INC. | 4630 NORTH LOOP 1604 WEST SAN ANTONIO, TX 78249 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $79K | $4K | $83K | 12.61% |
| USI INSURANCE SERVICES LLC3 | PO BOX 61187 VIRGINIA BEACH, VA 23466 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $53K | $0 | $53K | 12.52% |
| USI INSURANCE SERVICES LLC3 | PO BOX 62889 VIRGINIA BEACH, VA 23466 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $0 | $9K | $9K | 2.20% |
| USI INSURANCE SERVICES LLC3 Filed as: USI SOUTHWEST, INC. | PO BOX 218060 HOUSTON, TX 77218 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $3K | $817 | $4K | 30.69% |
| TIMOTHY J REED3 Filed as: TIMOTHY COBB | 11086 NW COUNTY ROAD, SUITE 1370 BARRY, TX 78102 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $620 | $825 | $1K | 10.58% |
| ISIDORO ZEICHNER3 Filed as: ISIDORO ZEICHNER AND OTHER AGENTS | 1611 HUNTINGTON DRIVE SOUTH PASEDINA, CA 91030 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1K | $167 | $1K | 10.38% |
| KELLY MELISSA RUSHING3 | 725 RIVER BLUFF DRIVE LYTLE, TX 78052 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $896 | $337 | $1K | 9.03% |
| WYNONA SNYDER3 | 9385 MILLER LANE GARDEN RIDGE, TX 78266 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $550 | $308 | $858 | 6.28% |
| TROY J PALMER3 Filed as: TROY J. PALMER | 15534 CLOVER RIDGE SAN ANTONIO, TX 78248 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $448 | $131 | $579 | 4.24% |
| DAMARIS BERLANGA3 | 63 MARIPOSA PARKWAY WEST BOERNE, TX 78006 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $355 | $76 | $431 | 3.15% |
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 | 678 | 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) | 678 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 208 | $662K |
| Dental | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 678 | $426K |
| Vision | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 678 | $426K |
| Life insurance | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 678 | $426K |
| Short-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 678 | $426K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 678 | $426K |
| Prescription drug | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 208 | $662K |
| Other(2 contracts, 2 carriers) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 678 | $440K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 678 | — |
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.