| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| USI INSURANCE SERVICES LLC3 Filed as: USI SOUTHWEST, INC. | 840 GESSNER ROAD, SUITE 600 HOUSTON, TX 77024 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $6K | $0 | $6K | 14.98% |
| RACHELLE JANICE JONES3 | 10618 ACACIA FOREST TREAIL HOUSTON, TX 77089 | AFLAC | $612 | $155 | $767 | 7.77% |
| USI INSURANCE SERVICES LLC3 Filed as: USI SOUTHWEST, INC. | 840 GESSNER ROAD, SUITE 600 HOUSTON, TX 77024 | AFLAC | $547 | $4 | $551 | 5.58% |
| TYLER VAUGHN3 | 4018 EMERSON COVE DRIVE SPRING, TX 77386 | AFLAC | $346 | $37 | $383 | 3.88% |
| MARK B STRICKLER3 Filed as: MARK B. STRICKLER AND OTHER AGENTS | PO BOX 5182 UVALDE, TX 78802 | AFLAC | $243 | $0 | $243 | 2.46% |
| USI INSURANCE SERVICES LLC3 Filed as: USI SOUTHWEST, INC. | 2505 EAST MISSOURI AVENUE EL PASO, TX 79903 | AFLAC | $182 | $0 | $182 | 1.84% |
| DEBRA L SCHMIDT3 Filed as: DEBRA L. SCHMIDT | 616 CYPRESS CREEK PARKWAY SUITE 101 HOUSTON, TX 77090 | AFLAC | $125 | $37 | $162 | 1.64% |
| RUBY STA ANA PENA3 | 14730 FUERTE DRIVE HOUSTON, TX 77083 | AFLAC | $93 | $30 | $123 | 1.25% |
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 | 695 | 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) | 700 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 823 | $41K |
| Short-term disability | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 823 | $41K |
| Long-term disability | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 823 | $41K |
| Other(2 contracts, 2 carriers) | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 823 | $51K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 823 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.