| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| USI INSURANCE SERVICES LLC3 Filed as: USI SOUTHWEST, INC. | UNKNOWN DALLAS, TX 75320 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | $203K | $0 | $203K | 7.29% |
| USI INSURANCE SERVICES LLC3 | 3475 PEIDMONT ROAD NE, SUITE 800 ATLANTA, GA 30305 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $15K | $2K | $17K | 11.30% |
| USI INSURANCE SERVICES LLC3 Filed as: USI SOUTHWEST, INC. | PO BOX 201503 DALLAS, TX 75320 | VISION SERVICE PLAN | $2K | $0 | $2K | 4.34% |
| USI INSURANCE SERVICES LLC3 | 3475 PEIDMONT ROAD, SUITE 800 ATLANTA, GA 30305 | ACE AMERICAN INSURANCE COMPANY | $1K | $0 | $1K | 15.00% |
| TIMOTHY C. FLANAGAN3 Filed as: TIMOTHY C. FLANAGAN JR. | 4350 CONGRESS STREET, SUITE 300 CHARLOTTE, NC 28209 | MASSACHUSETTS MUTUAL LIFE INSURANCE COMPANY | $36 | $0 | $36 | 0.85% |
| USI INSURANCE SERVICES LLC3 | 100 SUMMIT LAKE DRIVE VALHALLA, NY 10595 | MASSACHUSETTS MUTUAL LIFE INSURANCE COMPANY | $29 | $0 | $29 | 0.69% |
| JAMES LELAND PHILLIPS3 Filed as: JAMES LELAND PHILLIPS JR. | 3400 OVERTON PARK DRIVE SE ATLANTA, GA 30339 | MASSACHUSETTS MUTUAL LIFE INSURANCE COMPANY | $26 | $0 | $26 | 0.62% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: CAREY H. BROWN | 6 CONCOURSE PARKWAY, SUITE 2750 ATLANTA, GA 30328 | MASSACHUSETTS MUTUAL LIFE INSURANCE COMPANY | $7 | $0 | $7 | 0.17% |
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 | 256 | 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) | 256 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 535 | $2.8M |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 535 | $2.8M |
| Vision | VISION SERVICE PLAN | 185 | $35K |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 256 | $151K |
| Long-term disability(2 contracts, 2 carriers) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 256 | $156K |
| Prescription drug | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 535 | $2.8M |
| Other(3 contracts, 3 carriers) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 280 | $177K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 535 | — |
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.
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.