| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| USI INSURANCE SERVICES LLC3 Filed as: USI SOUTHWEST, INC. | 7600-C NORTH CAPITAL OF TX HIGHWAY SUITE 200 AUSTIN, TX 78731 | HUMANA HEALTH PLAN OF TEXAS, INC. | $37K | $2K | $39K | 5.16% |
| USI INSURANCE SERVICES LLC3 Filed as: USI SOUTHWEST, INC. | 7600-C NORTH CAPITAL OF TX HIGHWAY SUITE 200 AUSTIN, TX 78731 | HUMANA INSURANCE COMPANY | $6K | $1K | $7K | 11.88% |
| JADE CHAVEZ3 Filed as: JADE E. CHAVEZ | 110 NORTH INTERSTATE 35, SUITE 315 PMB 125 ROUND ROCK, TX 78681 | AFLAC | $3K | $615 | $3K | 12.73% |
| JEROME JEFFREY PESEK3 | 330 TORRINGTON DRIVE AUSTIN, TX 78737 | AFLAC | $517 | $124 | $641 | 2.51% |
| ASSUREDPARTNERS3 Filed as: JENNIFER R. THOM AND OTHER AGENTS | — | AFLAC | $347 | $9 | $356 | 1.39% |
| ADRIANE N NEWMAN3 Filed as: ADRIANE N. NEWMAN | 2301 CLOVER RIDGE NEW BRAUNFELS, TX 78130 | AFLAC | $303 | $0 | $303 | 1.19% |
| USI INSURANCE SERVICES LLC3 Filed as: USI SOUTHWEST, INC. | 840 GESSNER ROAD, SUITE 600 HOUSTON, TX 77024 | AFLAC | $289 | $0 | $289 | 1.13% |
| RONALD T DAMRAU3 Filed as: RONALD T. DAMRAU | 4704 CIRCLE OAK COVE AUSTIN, TX 78749 | AFLAC | $136 | $4 | $140 | 0.55% |
| STEPHANIE DENISE GARLAND3 | 110 NORTH INTERSTATE 35, SUITE 315 ROUND ROCK, TX 78681 | AFLAC | $130 | $0 | $130 | 0.51% |
| USI INSURANCE SERVICES LLC3 Filed as: USI SOUTHWEST, INC. | 7600-C NORTH CAPITAL OF TX HIGHWAY SUITE 200 AUSTIN, TX 78731 | DENTICARE, INC. | $1K | $470 | $2K | 14.47% |
| USI INSURANCE SERVICES LLC3 Filed as: USI SOUTHWEST, INC. | 9811 KATY FREEWAY, SUITE 500 HOUSTON, TX 77024 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $1K | $312 | $2K | 18.51% |
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 | 363 | 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) | 363 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HUMANA HEALTH PLAN OF TEXAS, INC. | 131 | $753K |
| Dental(2 contracts, 2 carriers) | HUMANA INSURANCE COMPANY | 131 | $71K |
| Vision | HUMANA INSURANCE COMPANY | 131 | $61K |
| Life insurance | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 363 | $9K |
| Prescription drug | HUMANA HEALTH PLAN OF TEXAS, INC. | 131 | $753K |
| Other(2 contracts, 2 carriers) | AFLAC | 363 | $34K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 363 | — |
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."
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.