| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES SOUTHWEST | 7600-C NORTH CAPITAL OF TX HIGHWAY SUITE 200 AUSTIN, TX 78731 | KAISER PERMANENTE | $39K | $0 | $39K | 5.00% |
| AMWINS3 Filed as: AMWINS CONNECT INSURANCE SVCS., LLC | UNKNOWN AZUSA, CA 91702 | KAISER PERMANENTE | $24K | $0 | $24K | 3.10% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES SOUTHWEST | 7600-C NORTH CAPITAL OF TX HIGHWAY SUITE 200 AUSTIN, TX 78731 | METROPOLITAN LIFE INSURANCE COMPANY | $59K | $83 | $60K | 11.63% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES SOUTHWEST | 7600-C NORTH CAPITAL OF TX HIGHWAY SUITE 200 AUSTIN, TX 78731 | ANTHEM BLUE CROSS | $4K | $0 | $4K | 5.00% |
| AMWINS3 Filed as: AMWINS CONNECT INSURANCE SVCS., LLC | UNKNOWN AZUSA, CA 91702 | ANTHEM BLUE CROSS | $2K | $0 | $2K | 3.10% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES SOUTHWEST | 7600-C NORTH CAPITAL OF TX HIGHWAY SUITE 200 AUSTIN, TX 78731 | HEALTH NET | $3K | $0 | $3K | 5.00% |
| AMWINS3 Filed as: AMWINS CONNECT INSURANCE SVCS., LLC | UNKNOWN AZUSA, CA 91702 | HEALTH NET | $2K | $0 | $2K | 3.10% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES SOUTHWEST | 7600-C NORTH CAPITAL OF TX HIGHWAY SUITE 200 AUSTIN, TX 78731 | UNITEDHEALTHCARE OF CALIFORNIA | $607 | $0 | $607 | 5.00% |
| AMWINS3 Filed as: AMWINS CONNECT INSURANCE SVCS., LLC | UNKNOWN AZUSA, CA 91702 | UNITEDHEALTHCARE OF CALIFORNIA | $376 | $0 | $376 | 3.10% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES SOUTHWEST | 7600-C NORTH CAPITAL OF TX HIGHWAY SUITE 200 AUSTIN, TX 78731 | VSP | $473 | $0 | $473 | 12.04% |
| AMWINS3 Filed as: AMWINS CONNECT INSURANCE SVCS., LLC | UNKNOWN AZUSA, CA 91702 | VSP | $158 | $0 | $158 | 4.02% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES SOUTHWEST | 7600-C NORTH CAPITAL OF TX HIGHWAY SUITE 200 AUSTIN, TX 78731 | SAFEGUARD HEALTH PLANS, INC., A CALIFORNIA CORPORATION | $203 | $0 | $203 | 8.10% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES SOUTHWEST | PO BOX 218060 HOUSTON, TX 77218 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $128 | $15 | $143 | 6.29% |
| KELLY MELISSA RUSHING3 | 725 RIVER BLUFF DRIVE LYTLE, TX 78052 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $73 | $10 | $83 | 3.65% |
| TIMOTHY J REED3 Filed as: TIMOTHY COBB | 11086 NW COUNTY ROAD 1370 BARRY, TX 75102 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $27 | $18 | $45 | 1.98% |
| TROY J PALMER3 Filed as: TROY J. PALMER | 15534 CLOVER RIDGE SAN ANTONIO, TX 78248 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $37 | $5 | $42 | 1.85% |
| WYNONA SNYDER3 | PO BOX 592737 SAN ANTONIO, TX 78259 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $31 | $2 | $33 | 1.45% |
| OMAR MENDOZA3 | 26326 ROCKWALL PARKWAY NEW BRAUNFELS, TX 78132 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $7 | $0 | $7 | 0.31% |
| MELISSA LYNN FRINK3 Filed as: MELISSA LYNN FRINK AND OTHER AGENTS | 3200 LOUIS AVENUE CORSICANA, TX 75110 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $3 | $1 | $4 | 0.18% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES SOUTHWEST | 7600-C NORTH CAPITAL OF TX HIGHWAY SUITE 200 AUSTIN, TX 78731 | EYEMED | $152 | $0 | $152 | 12.03% |
| AMWINS3 Filed as: AMWINS CONNECT INSURANCE SVCS., LLC | UNKNOWN AZUSA, CA 91702 | EYEMED | $51 | $0 | $51 | 4.03% |
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 | 465 | 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) | 465 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(6 contracts, 6 carriers) | KAISER PERMANENTE | 86 | $921K |
| Dental(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 1,092 | $514K |
| Vision | METROPOLITAN LIFE INSURANCE COMPANY | 1,092 | $512K |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 1,092 | $512K |
| Short-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 1,092 | $512K |
| Long-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 1,092 | $512K |
| Prescription drug(6 contracts, 6 carriers) | KAISER PERMANENTE | 86 | $921K |
| Other(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 1,092 | $514K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,092 | — |
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.