| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| USI INSURANCE SERVICES LLC3 Filed as: USI SOUTHWEST INC | 2711 NORTH HASKELL AVENUE DALLAS, TX 75204 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | — | $7K | $7K | 0.21% |
| USI INSURANCE SERVICES LLC3 Filed as: USI SOUTHWEST INC | 2711 NORTH HASKELL AVENUE SUITE 2000 DALLAS, TX 75204 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $18K | $10K | $27K | 3.42% |
| AVANT SPECIALTY BENEFITS LLC3 | 1828 WALNUT STREET, SUITE 801 KANSAS CITY, MO 64108 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $7K | $0 | $7K | 0.84% |
| HOLMES MURPHY & ASSOCIATES3 Filed as: HOLMES MURPHY & ASSOCIATES INC | PO BOX 441 DES MOINES, IA 50302 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $6K | $0 | $6K | 0.73% |
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 | 402 | 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) | 402 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 581 | $3.3M |
| Dental | RELIANCE STANDARD LIFE INSURANCE COMPANY | 851 | $800K |
| Vision | RELIANCE STANDARD LIFE INSURANCE COMPANY | 851 | $800K |
| Life insurance | RELIANCE STANDARD LIFE INSURANCE COMPANY | 851 | $800K |
| Short-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 851 | $800K |
| Long-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 851 | $800K |
| Prescription drug | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 581 | $3.3M |
| Other(2 contracts, 2 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 851 | $4.1M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 851 | — |
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."
No prospect flags tripped on this filing.