| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| USI INSURANCE SERVICES LLC3 Filed as: USI SOUTHWEST | 1445 ROSS AVENUE SUITE 4200 DALLAS, TX 75202 | HCC LIFE | $31K | — | $31K | 5.00% |
| USI INSURANCE SERVICES LLC3 Filed as: USI SOUTHWEST INC. | 1445 ROSS AVENUE SUITE 4200 DALLAS, TX 75202 | SUN LIFE AND HEALTH INSURANCE COMPANY | $9K | — | $9K | 10.66% |
| USI INSURANCE SERVICES LLC Filed as: USI SOUTHWEST INC. | THREE MEMORIAL CITY PLAZA 840 GESSNER SUITE 600 HOUSTON, TX 77024 | SUPERIOR VISION PLAN | $2K | — | $2K | 8.54% |
| BLESS OR BLOCK INC. | 454 FRANKIE LANE LEWISVILLE, TX 75057 | SUPERIOR VISION PLAN | $298 | — | $298 | 1.33% |
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 | 211 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 211 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | SUPERIOR VISION PLAN | 440 | $22K |
| Life insurance | SUN LIFE AND HEALTH INSURANCE COMPANY | 218 | $83K |
| Long-term disability | SUN LIFE AND HEALTH INSURANCE COMPANY | 218 | $83K |
| Stop-loss / reinsurancereinsurance | HCC LIFE | 211 | $616K |
| Other(2 contracts, 2 carriers) | SUN LIFE AND HEALTH INSURANCE COMPANY | 218 | $121K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 440 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.