| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF, SEIBELS & WILLIAMS OF TX | 818 TOWN AND COUNTRY BOULEVARD SUITE 500 HOUSTON, TX 77024 | BLUECROSS BLUESHIELD OF TEXAS | $48K | — | $48K | 3.39% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC. | 110 MARIENFELD SUITE 330 MIDLAND, TX 79701 | BLUECROSS BLUESHIELD OF TEXAS | $2K | — | $2K | 0.15% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF SEIBELS & WILLIAMS | 818 TOWN AND COUNTRY BOULEVARD SUITE 500 HOUSTON, TX 77024 | METROPOLITAN LIFE INSURANCE COMPANY | $12K | $987 | $12K | 10.99% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES | 2 PIERCE PLACE FLOOR 14 ITASCA, IL 601431203 | METROPOLITAN LIFE INSURANCE COMPANY | — | $63 | $63 | 0.06% |
| RODGER LINCOLN WELLS3 | 415 W. WALL STREET SUITE 1818 MIDLAND, TX 79701 | AFLAC | $9K | $388 | $10K | 10.08% |
| NANCY B PENA3 Filed as: NANCY B. PENA | 1717 ATLANTA STREET MIDLAND, TX 79701 | AFLAC | $3K | $171 | $3K | 3.18% |
| AMANDA MCCANN POTTER3 | 911 N. MIDKIFF ROAD MIDLAND, TX 79701 | AFLAC | $3K | $158 | $3K | 3.02% |
| BENNETT G COOK IV3 Filed as: BENNETT G. COOK IV | 3812 32 STREET LUBBOCK, TX 79410 | AFLAC | $3K | — | $3K | 2.89% |
| BRITTANY NICOLE SCOTT3 | 7412 GRAVENSTEEN ODESSA, TX 79765 | AFLAC | $2K | — | $2K | 2.24% |
| MERRIL GREG AKINS3 | 3610 HUMBLE AVENUE MIDLAND, TX 79707 | AFLAC | $1K | $155 | $1K | 1.25% |
| DAVID W. KUHLMANN3 | 4620 CONLEY AVENUE ODESSA, TX 79762 | AFLAC | $1K | $148 | $1K | 1.24% |
| NANCY B PENA3 Filed as: NANCY B. PENA | 1535 CAMELLIA LANE NEW BRAUNFELS, TX 78130 | AFLAC | $580 | — | $580 | 0.60% |
| STEVE WHITTEN3 | 7606 UNIVERSITY AVENUE SUITE F LUBBOCK, TX 79423 | AFLAC | $142 | $147 | $289 | 0.30% |
| PATRICIA LYNN WIDNER3 | 4925 RUSTIC TRAIL MIDLAND, TX 79701 | AFLAC | $195 | $51 | $246 | 0.26% |
| ARDELIA M GOFF3 Filed as: ARDELIA M. GOFF | 1125 JUDSON ROAD SUITE 195 LONGVIEW, TX 75601 | AFLAC | $230 | — | $230 | 0.24% |
| SCOTT G GOFF3 Filed as: SCOTT G. GOFF | 712 S. CHILTON AVENUE TYLER, TX 75701 | AFLAC | $215 | — | $215 | 0.22% |
| STEVE WHITTEN3 | 7606 UNIVERSITY AVENUE SUITE D LUBBOCK, TX 79707 | AFLAC | $196 | — | $196 | 0.20% |
| ROSS L WELLS3 Filed as: ROSS L. WELLS | 415 W. WALL STREET SUITE 1818 MIDLAND, TX 79701 | AFLAC | $144 | — | $144 | 0.15% |
| JULIO R HERNANDEZ3 Filed as: JULIO R. HERNANDEZ | 307 W. DAKOTA AVENUE MIDLAND, TX 79701 | AFLAC | $45 | — | $45 | 0.05% |
| MICHELLE L. GRIGGS3 | 415 W. WALL STREET SUITE 1818 MIDLAND, TX 79701 | AFLAC | $36 | — | $36 | 0.04% |
| SYLVIA CUELLAR3 | 3100 W. MICHIGAN AVENUE MIDLAND, TX 79701 | AFLAC | $27 | — | $27 | 0.03% |
| KATY ANN ROWOLDT3 | 10606 E. COUNTY ROAD 104 MIDLAND, TX 79706 | AFLAC | $16 | — | $16 | 0.02% |
| STEVE WHITTEN3 | 7606 UNIVERSITY AVENUE SUITE F LUBBOCK, TX 79423 | AFLAC | $16 | — | $16 | 0.02% |
| STEVEN B KEMPTON3 Filed as: STEVEN B. KEMPTON | 2570 ELDORADO PARKWAY SUITE 130 MCKINNEY, TX 75070 | AFLAC | $7 | — | $7 | 0.01% |
| BOBBY R STEWART3 Filed as: BOBBY R. STEWART | 3501 FRENCH PARK DRIVE SUITE E EDMOND, OK 73034 | AFLAC | $6 | — | $6 | 0.01% |
| ROBERT PERRY EVANS JR3 Filed as: ROBERT P. EVENS JR. INC. | 1031 SADDLEBROOK DRIVE LUCAS, TX 75002 | AFLAC | $4 | — | $4 | 0.00% |
| ROXY DODD GARTON3 | 14149 W. RUIDOSO DRIVE ODESSA, TX 79763 | AFLAC | $3 | — | $3 | 0.00% |
| RUTHERFORD FINANCIAL SERVICES INC.3 Filed as: MCGRIFFF, SEIBELS & WILLIAMS OF TX | 818 TOWN AND COUNTRY LANE SUITE 500 HOUSTON, TX 770242241 | UNION SECURITY INSURANCE COMPANY | $8K | — | $8K | 11.47% |
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 | 113 | 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) | 113 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUECROSS BLUESHIELD OF TEXAS | 289 | $1.4M |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 483 | $114K |
| Vision | METROPOLITAN LIFE INSURANCE COMPANY | 483 | $114K |
| Life insurance | UNION SECURITY INSURANCE COMPANY | 114 | $66K |
| Short-term disability | UNION SECURITY INSURANCE COMPANY | 114 | $66K |
| Long-term disability | UNION SECURITY INSURANCE COMPANY | 114 | $66K |
| Other(2 contracts, 2 carriers) | AFLAC | 114 | $162K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 483 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.