| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| SELERIX INSURANCE SERVICES, LLC3 Filed as: SELERIX INSURANCE SERVICES LLC | 2851 CRAIG DR SUITE 300 MCKINNEY, TX 75072 | TRUSTMARK INSURANCE COMPANY | $11K | $0 | $11K | 7.71% |
| LOCKTON COMPANIES, LLC3 | DEPT LA 23940 SAN FRANCISCO, CA 91185 | TRUSTMARK INSURANCE COMPANY | $5K | $0 | $5K | 3.36% |
| USI INSURANCE SERVICES LLC3 Filed as: USI SOUTHWEST INC | PO BOX 61187 VIRGINIA BEACH, VA 23466 | TRUSTMARK INSURANCE COMPANY | $4K | — | $4K | 2.74% |
| JOE FERNANDEZ3 | 1201 ELM STREET SUITE 4250 DALLAS, TX 75270 | TRUSTMARK INSURANCE COMPANY | $2K | — | $2K | 1.44% |
| TBX EMPLOYEE BENEFITS LLC3 | 7500 DALLAS PKWY STE 500 PLANO, TX 75024 | TRUSTMARK INSURANCE COMPANY | $58 | — | $58 | 0.04% |
| USI INSURANCE SERVICES LLC3 Filed as: USI SOUTHWEST INC | 14241 DALLAS PARKWAY SUITE 700 DALLAS, TX 75254 | TRUSTMARK INSURANCE COMPANY | $38 | $0 | $38 | 0.03% |
| LOCKTON COMPANIES, LLC3 | 3 EMBARCADERO CENTER, SUITE 609 SAN FRANCISCO, CA 94111 | STARMOUNT LIFE INSURANCE COMPANY | $14K | $0 | $14K | 11.41% |
| USI INSURANCE SERVICES LLC3 Filed as: USI SW, INC. | PO BOX 61187 VIRGINIA BEACH, VA 23466 | STARMOUNT LIFE INSURANCE COMPANY | -$2K | -$857 | -$3K | -2.11% |
| LOCKTON COMPANIES, LLC3 | 3 EMBARCADERO CENTER, SUITE 609 SAN FRANCISCO, CA 94111 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $13K | $0 | $13K | 16.42% |
| USI INSURANCE SERVICES LLC3 Filed as: USI SW, INC. | PO BOX 61187 VIRGINIA BEACH, VA 23466 | UNUM LIFE INSURANCE COMPANY OF AMERICA | -$1K | -$372 | -$1K | -1.89% |
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 | 115 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 5 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 120 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | STARMOUNT LIFE INSURANCE COMPANY | 120 | $122K |
| Vision | STARMOUNT LIFE INSURANCE COMPANY | 120 | $122K |
| Life insurance(2 contracts, 2 carriers) | TRUSTMARK INSURANCE COMPANY | 124 | $226K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 124 | $79K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 124 | $79K |
| Other(2 contracts, 2 carriers) | TRUSTMARK INSURANCE COMPANY | 124 | $226K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 124 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.