| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| USI INSURANCE SERVICES LLC3 Filed as: USI SOUTHWEST, INC. | 303 N. OREGON ST., STE 210 EL PASO, TX 79901 | HEALTH CARE SERVICE CORPORATION (BCBS) | $161K | $18K | $180K | 6.20% |
| VARIOUS - SEE ATTACHED3 Filed as: VARIOUS INSURANCE AGENTS OR BROKERS | — | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $27K | $7K | $34K | 21.52% |
| USI INSURANCE SERVICES LLC3 Filed as: USI SOUTHWEST, INC. | PO BOX 61187 VIRGINIA BEACH, VA 23466 | STARMOUNT LIFE INSURANCE COMPANY | $6K | $3K | $8K | 14.62% |
| USI INSURANCE SERVICES LLC3 Filed as: USI SOUTHWEST, INC. | 9811 KATY FREEWAY, SUITE 500 HOUSTON, TX 77024 | EQUITABLE FINANCIAL LIFE INSURANCE COMPANY OF AMERICA | $8K | $2K | $10K | 24.89% |
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 | 669 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 669 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HEALTH CARE SERVICE CORPORATION (BCBS) | 669 | $2.9M |
| Dental | STARMOUNT LIFE INSURANCE COMPANY | 159 | $57K |
| Life insurance(2 contracts, 2 carriers) | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 630 | $200K |
| Short-term disability | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 219 | $158K |
| Prescription drug | HEALTH CARE SERVICE CORPORATION (BCBS) | 669 | $2.9M |
| Stop-loss / reinsurancereinsurance | HEALTH CARE SERVICE CORPORATION (BCBS) | 669 | $2.9M |
| Other | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 219 | $158K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 669 | — |
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.