| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| USI INSURANCE SERVICES LLC3 Filed as: USI SOUTHWEST INC | 2711 HASKELL AVENUE, SUITE 350 THE WOODLANDS, TX 77380 | BLUECROSS BLUESHIELD OF TEXAS | $141K | $11K | $152K | 3.31% |
| BXS INSURANCE INC3 Filed as: CADENCE INSURANCE, INC. | UNKNOWN THE WOODLANDS, TX 77380 | BLUECROSS BLUESHIELD OF TEXAS | $18K | $0 | $18K | 0.40% |
| USI INSURANCE SERVICES LLC3 Filed as: USI SOUTHWEST INC | PO BOX 61187 VIRGINIA BEACH, VA 23466 | SUN LIFE ASSURANCE COMPANY OF CANADA | $41K | $0 | $41K | 5.78% |
| BXS INSURANCE INC3 Filed as: CADENCE INSURANCE, INC. | PO BOX 250 GULFPORT, MS 39502 | SUN LIFE ASSURANCE COMPANY OF CANADA | $31K | $0 | $31K | 4.25% |
| USI INSURANCE SERVICES LLC3 | 3805 WEST CHESTER PIKE, SUITE 200 NEWTOWN SQUARE, PA 19073 | SUN LIFE ASSURANCE COMPANY OF CANADA | $0 | $24K | $24K | 3.41% |
| USI INSURANCE SERVICES LLC3 Filed as: USI SOUTHWEST INC | 14241 DALLAS PARKWAY, SUITE 700 DALLAS, TX 75254 | SUN LIFE ASSURANCE COMPANY OF CANADA | $20K | $0 | $20K | 2.77% |
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) | BLUECROSS BLUESHIELD OF TEXAS | 1,069 | $4.6M |
| Dental(2 contracts, 2 carriers) | BLUECROSS BLUESHIELD OF TEXAS | 1,069 | $5.3M |
| Vision | SUN LIFE ASSURANCE COMPANY OF CANADA | 402 | $718K |
| Life insurance | SUN LIFE ASSURANCE COMPANY OF CANADA | 402 | $718K |
| Short-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 402 | $718K |
| Long-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 402 | $718K |
| Prescription drug | BLUECROSS BLUESHIELD OF TEXAS | 1,069 | $4.6M |
| Other | SUN LIFE ASSURANCE COMPANY OF CANADA | 402 | $718K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,069 | — |
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.
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.