| 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 | $28K | $0 | $28K | 15.00% |
| USI INSURANCE SERVICES LLC3 | PO BOX 66119 VIRGINIA BEACH, VA 23466 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $7K | $0 | $7K | 3.96% |
| TYLER VAUGHN3 | 4018 EMERSON COVE DRIVE SPRING, TX 77386 | AFLAC | $84 | $0 | $84 | 2.25% |
| RACHELLE JANICE JONES3 | 10618 ACACIA FOREST TRAIL HOUSTON, TX 77089 | AFLAC | $83 | $0 | $83 | 2.23% |
| USI INSURANCE SERVICES LLC3 Filed as: USI SOUTHWEST, INC. AND AGENTS | 840 GESSNER ROAD, SUITE 600 HOUSTON, TX 77024 | AFLAC | $65 | $0 | $65 | 1.74% |
| USI INSURANCE SERVICES LLC3 | 4605 COLUMBUS STREET VIRGINIA BEACH, VA 23466 | AFLAC | $62 | $0 | $62 | 1.66% |
| USI INSURANCE SERVICES LLC3 Filed as: USI SOUTHWEST, INC. | 2505 EAST MISSOURI AVENUE EL PASO, TX 79903 | AFLAC | $52 | $0 | $52 | 1.40% |
| DEBRA L SCHMIDT3 Filed as: DEBRA L. SCHMIDT | PO BOX 131682 SPRING, TX 77393 | AFLAC | $33 | $0 | $33 | 0.89% |
| MARK B STRICKLER3 Filed as: MARK B. STRICKLER | PO BOX 5182 UVALDE, TX 78802 | AFLAC | $24 | $0 | $24 | 0.64% |
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 | 565 | 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) | 565 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 620 | $188K |
| Short-term disability | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 620 | $188K |
| Long-term disability | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 620 | $188K |
| Other(2 contracts, 2 carriers) | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 620 | $192K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 620 | — |
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."
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.