| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| USI INSURANCE SERVICES LLC3 Filed as: USI SOUTHWEST, INC. | 7600 NORTH CAPITAL OF TEXAS HWY SUITE C200 AUSTIN, TX 78731 | UNITEDHEALTHCARE INSURANCE COMPANY | $29K | $0 | $29K | 2.63% |
| LOCKTON COMPANIES, LLC3 | PO BOX 123042 DALLAS, TX 75312 | UNITEDHEALTHCARE INSURANCE COMPANY | $18K | $0 | $18K | 1.65% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES, LLC | 312 ELM STREET, FLOOR 24 CINCINNATI, OH 45202 | UNITEDHEALTHCARE INSURANCE COMPANY | $0 | $1K | $1K | 0.10% |
| MICHAEL LEROY COY3 | 6547 NORTH ACADEMY BOULEVARD SUITE 585 COLORADO SPRINGS, CO 80918 | CONTINENTAL AMERICAN INSURANCE COMPANY | $3K | $0 | $3K | 9.75% |
| USI INSURANCE SERVICES LLC3 Filed as: USI SOUTHWEST, INC. | 9811 KATY FREEWAY, SUITE 500 HOUSTON, TX 77024 | CONTINENTAL AMERICAN INSURANCE COMPANY | $3K | $0 | $3K | 9.02% |
| CHRISTOPHER JOSEPH MELLODY3 | 157 LOTUS CIRCLE AUSTIN, TX 78737 | CONTINENTAL AMERICAN INSURANCE COMPANY | $1K | $0 | $1K | 4.92% |
| ANGELA K. KARR AND OTHER AGENTS3 | 6018 SOUTH 73RD EAST AVENUE TULSA, OK 74145 | CONTINENTAL AMERICAN INSURANCE COMPANY | $1K | $0 | $1K | 4.23% |
| TONYA LYNNE WYNES3 | 6017 SCENIC LAKE DRIVE GEORGETOWN, TX 78626 | CONTINENTAL AMERICAN INSURANCE COMPANY | $1K | $0 | $1K | 3.53% |
| JOSHUA L CLINE3 Filed as: JOSHUA L. CLINE | 148 HUNTER TRAIL FLORENCE, MS 39073 | CONTINENTAL AMERICAN INSURANCE COMPANY | $515 | $0 | $515 | 1.77% |
| PROCTOR HAGERMAN3 | 2008 WIRSING AVENUE FORT SMITH, AR 72904 | CONTINENTAL AMERICAN INSURANCE COMPANY | $503 | $0 | $503 | 1.73% |
| USI INSURANCE SERVICES LLC3 Filed as: USI SOUTHWEST, INC. | PO BOX 61187 VIRGINIA BEACH, VA 23466 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $1K | $515 | $2K | 13.49% |
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 | 107 | 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) | 107 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 209 | $1.1M |
| Dental | UNITEDHEALTHCARE INSURANCE COMPANY | 209 | $1.1M |
| Vision | UNITEDHEALTHCARE INSURANCE COMPANY | 209 | $1.1M |
| Life insurance | UNITEDHEALTHCARE INSURANCE COMPANY | 209 | $1.1M |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 45 | $15K |
| Prescription drug | UNITEDHEALTHCARE INSURANCE COMPANY | 209 | $1.1M |
| Other(2 contracts, 2 carriers) | UNITEDHEALTHCARE INSURANCE COMPANY | 209 | $1.1M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 209 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.