| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES, INC. | PO BOX 896620 CHARLOTTE, NC 28289 | BLUECROSS BLUESHIELD OF TEXAS | $80K | — | $80K | 3.07% |
| USI INSURANCE SERVICES LLC3 Filed as: USI SOUTHWEST, INC. | 9811 KATY FREEWAY, SUITE 500 HOUSTON, TX 77024 | BLUECROSS BLUESHIELD OF TEXAS | $40K | — | $40K | 1.54% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERCICES INC | 255 S ORANGE AVE STE 1000 ORLANDO, FL 32801 | STANDARD INSURANCE COMPANY | $13K | — | $13K | 7.60% |
| USI INSURANCE SERVICES LLC3 Filed as: USI SOUTHWEST INC | PO BOX 61187 VIRGINA BEACH, VA 23468 | STANDARD INSURANCE COMPANY | $4K | — | $4K | 2.40% |
| PAYLOCITY CORPORATION3 | PO BOX 711, C5 PORTLAND, OR 97207 | STANDARD INSURANCE COMPANY | — | $3K | $3K | 2.00% |
| USI INSURANCE SERVICES LLC3 Filed as: USI SOUTHWEST INC | 2375 E CAMELBACK RD STE 250 PHOENIX, AZ 85016 | STANDARD INSURANCE COMPANY | $3K | — | $3K | 1.69% |
| MCGRIFF INSURANCE SERVICES INC3 | STE 1000 255 S ORANGE AVE ORLANDO, FL 32801 | STANDARD INSURANCE COMPANY | $20K | — | $20K | 14.96% |
| USI INSURANCE SERVICES LLC3 Filed as: USI SOUTHWEST INC | PO BOX 61187 VIRGINIA BEACH, VA 23466 | STANDARD INSURANCE COMPANY | $6K | — | $6K | 4.73% |
| PAYLOCITY CORPORATION3 | PO BOX 711, C5 PORTLAND, OR 97207 | STANDARD INSURANCE COMPANY | — | $5K | $5K | 3.94% |
| USA SOUTHWEST INC3 | 2375 E CAMELBACK RD STE 250 PHOENIX, AZ 85016 | STANDARD INSURANCE COMPANY | $4K | — | $4K | 3.31% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICS INC | 255 S ORANGE AVE STE 1000 ORLANDO, FL 32801 | STANDARD INSURANCE COMPANY | $9K | — | $9K | 14.61% |
| USI INSURANCE SERVICES LLC3 Filed as: USI SOUTHWEST INC | PO BOX 61187 VIRGINIA BEACH, VA 23466 | STANDARD INSURANCE COMPANY | $3K | — | $3K | 5.06% |
| PAYLOCITY CORPORATION3 | PO BOX 711, C5 PORTLAND, OR 97207 | STANDARD INSURANCE COMPANY | — | $2K | $2K | 3.93% |
| USI INSURANCE SERVICES LLC3 Filed as: USI SOUTHWEST INC | 2375 E CAMELBACK RD STE 250 PHOENIX, AZ 85016 | STANDARD INSURANCE COMPANY | $2K | — | $2K | 3.55% |
| USI INSURANCE SERVICES LLC3 Filed as: USI SOUTHWEST INC | PO BOX 61187 VIRGINIA BEACH, VA 23466 | STANDARD INSURANCE COMPANY | $10K | — | $10K | 17.81% |
| PAYLOCITY CORPORATION3 | PO BOX 711, C5 PORTLAND, OR 97207 | STANDARD INSURANCE COMPANY | — | $2K | $2K | 3.99% |
| MCGRIFF INSURANCE SERVICES INC3 | 255 S ORANGE AVE ORLANDO, FL 32801 | STANDARD INSURANCE COMPANY | $459 | — | $459 | 0.84% |
| USI INSURANCE SERVICES LLC3 Filed as: USI SOUTHWEST INC | 2375 E CAMELBACK RD STE 250 PHOENIX, AZ 85016 | STANDARD INSURANCE COMPANY | $278 | — | $278 | 0.51% |
| MCGRIFF INSURANCE SERVICES INC3 | 255 S ORANGE AVE STE 1000 ORLANDO, FL 32801 | STANDARD INSURANCE COMPANY | $1K | — | $1K | 7.61% |
| USI INSURANCE SERVICES LLC3 Filed as: USI SOUTHWEST INC | 2375 E CAMELBACK RD STE 250 PHOENIX, AZ 85016 | STANDARD INSURANCE COMPANY | $645 | — | $645 | 3.37% |
| USI INSURANCE SERVICES LLC3 Filed as: USI SOUTHWEST INC | PO BOX 61187 VIRGINIA BEACH, FL 23466 | STANDARD INSURANCE COMPANY | $457 | — | $457 | 2.38% |
| PAYLOCITY CORPORATION3 | PO BOX 711, C5 PORTLAND, OR 97207 | STANDARD INSURANCE COMPANY | — | $383 | $383 | 2.00% |
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 | 150 | 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) | 150 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUECROSS BLUESHIELD OF TEXAS | 422 | $2.6M |
| Dental | STANDARD INSURANCE COMPANY | 150 | $172K |
| Vision | STANDARD INSURANCE COMPANY | 151 | $19K |
| Life insurance | STANDARD INSURANCE COMPANY | 157 | $131K |
| Long-term disability | STANDARD INSURANCE COMPANY | 157 | $62K |
| Prescription drug | BLUECROSS BLUESHIELD OF TEXAS | 422 | $2.6M |
| Other(2 contracts) | STANDARD INSURANCE COMPANY | 157 | $185K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 422 | — |
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.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
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.