| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SVCS OF TEXAS | 840 GESSNER, STE 600 HOUSTON, TX 77024 | BLUE CROSS BLUE SHIELD OF TEXAS | $97K | $0 | $97K | 4.97% |
| USI INSURANCE SERVICES LLC3 Filed as: USI SOUTHWEST, INC. SOUTHWEST | PO BOX 61187 VIRGINIA BEACH, VA 23466 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $7K | $489 | $8K | 16.01% |
| PEOPLE CENTER INC3 Filed as: PEOPLE CENTER, INC. | 55 2ND ST. STE 1500 SAN FRANCISCO, CA 94105 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $2K | $2K | 3.15% |
| USI INSURANCE SERVICES LLC3 Filed as: USI SOUTHWEST INC. TX | 9811 KATY FWY. STE 500 HOUSTON, TX 77024 | DEARBORN LIFE INSURANCE COMPANY | $3K | $90 | $3K | 9.56% |
| USI INSURANCE SERVICES LLC3 Filed as: USI SOUTHWEST, INC. SOUTHWEST | PO BOX 61187 VIRGINIA BEACH, VA 23466 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $10K | $688 | $11K | — |
| PEOPLE CENTER INC3 Filed as: PEOPLE CENTER, INC. | 55 2ND ST. STE 1500 SAN FRANCISCO, CA 94105 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $2K | $2K | — |
| USI INSURANCE SERVICES LLC3 Filed as: USI SOUTHWEST, INC. SOUTHWEST | PO BOX 61187 VIRGINIA BEACH, VA 23466 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $7K | $501 | $8K | — |
| PEOPLE CENTER INC3 Filed as: PEOPLE CENTER, INC. | 55 2ND ST. STE 1500 SAN FRANCISCO, CA 94105 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $2K | $2K | — |
| USI INSURANCE SERVICES LLC3 Filed as: USI SOUTHWEST, INC. SOUTHWEST | PO BOX 61187 VIRGINIA BEACH, VA 23466 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $5K | $339 | $5K | — |
| PEOPLE CENTER INC3 Filed as: PEOPLE CENTER, INC. | 55 2ND ST. STE 1500 SAN FRANCISCO, CA 94105 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $2K | $2K | — |
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 | 3 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 649 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF TEXAS | 565 | $2.0M |
| Dental | BLUE CROSS BLUE SHIELD OF TEXAS | 565 | $2.0M |
| Vision | DEARBORN LIFE INSURANCE COMPANY | 319 | $31K |
| Life insurance(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 647 | $48K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 647 | $0 |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 647 | $0 |
| Other | UNITED OF OMAHA LIFE INSURANCE COMPANY | 647 | $48K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 647 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.