| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| USI INSURANCE SERVICES LLC3 | PO BOX 61187 VIRGINIA BEACH, VA 23466 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $17K | $17K | 4.06% |
| EBENEFIT MARKETPLACE, LLC5 | 204 STATE STREET NORTH HAVEN, CT 06473 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $16K | $16K | 3.72% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES SOUTHWEST | 7600-C CAPITAL OF TX HIGHWAY SUITE 200 AUSTIN, TX 78731 | BLUECROSS BLUESHIELD OF TEXAS | $0 | $766 | $766 | 0.59% |
| TRUVERIS, INC3 Filed as: TRUVERIS, INC. | 3 BEAVER VALLEY ROAD, SUITE 103 WILMINGTON, DE 19803 | BLUECROSS BLUESHIELD OF TEXAS | $0 | $18 | $18 | 0.01% |
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 | 511 | 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) | 511 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | BLUECROSS BLUESHIELD OF TEXAS | 492 | $131K |
| Vision | UNITED OF OMAHA LIFE INSURANCE COMPANY | 511 | $430K |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 511 | $430K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 511 | $430K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 511 | $430K |
| Other | UNITED OF OMAHA LIFE INSURANCE COMPANY | 511 | $430K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 511 | — |
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.