| 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 | $29K | $0 | $29K | 15.00% |
| USI INSURANCE SERVICES LLC3 | PO BOX 61187 VIRGINIA BEACH, VA 23466 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $7K | $0 | $7K | 3.79% |
| USI INSURANCE SERVICES LLC3 Filed as: USI SOUTHWEST, INC. | 9811 KATY FREEWAY, SUITE 500 HOUSTON, TX 77024 | CONTINENTAL AMERICAN INSURANCE COMPANY | $6K | $0 | $6K | 16.60% |
| RACHELLE JANICE JONES3 | 10618 ACACIA FOREST TRAIL HOUSTON, TX 77089 | CONTINENTAL AMERICAN INSURANCE COMPANY | $5K | $0 | $5K | 14.37% |
| TYLER VAUGHN3 | 43 STEEP TRAIL PLACE CONROE, TX 77385 | CONTINENTAL AMERICAN INSURANCE COMPANY | $1K | $0 | $1K | 4.18% |
| NICOLE LYNN RIHANEK3 | 1025 2ND AVENUE EAST, APARTMENT 312 BRADENTON, FL 34208 | CONTINENTAL AMERICAN INSURANCE COMPANY | $855 | $0 | $855 | 2.40% |
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 | 644 | 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) | 644 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 644 | $196K |
| Short-term disability | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 644 | $196K |
| Long-term disability | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 644 | $196K |
| Other(2 contracts, 2 carriers) | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 644 | $232K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 644 | — |
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.