| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| AON CONSULTING INC3 Filed as: AON CORPORATION INC | 6501 AMERICAS PARKWAY NE SUITE 650 ALBUQUERQUE, NM 87110 | PRESBYTERIAN HEALTH PLAN INC. | $56K | — | $56K | 4.73% |
| AON CONSULTING INC3 Filed as: AON RISK INSURANCE SERVICES WEST | PO BOX 19640 IRVINE, CA 926409640 | PRINCIPAL LIFE INSURANCE COMPANY | $11K | — | $11K | 10.56% |
| CUSTOM BENEFIT PROGRAMS INC3 Filed as: CUSTOM BENEFIT PROGRAMS INC. | 1 NORTH WHITE HORSE PIKE 2ND FLOOR HAMMONTON, NJ 08037 | CONTINENTAL AMERICAN INSURANCE COMPANY | $459 | — | $459 | 6.83% |
| AON CONSULTING INC3 | 29840 NETWORK PLACE CHICAGO, IL 60673 | CONTINENTAL AMERICAN INSURANCE COMPANY | $244 | — | $244 | 3.63% |
| RONNIE DALE LEDBETTER JR3 | 209 N HARRISON AVE LORENZO, TX 793432501 | CONTINENTAL AMERICAN INSURANCE COMPANY | $234 | — | $234 | 3.48% |
| GIS BENEFITS INC3 Filed as: GIS BENEFITS, INC. | 422 WAUPONSEE ST. MORRIS, IL 60450 | CONTINENTAL AMERICAN INSURANCE COMPANY | $149 | — | $149 | 2.22% |
| MICHAEL W JOINER3 Filed as: MICHAEL WAYNE JOINER | 9106 HURON AVE. LUBBOCK, TX 79424 | CONTINENTAL AMERICAN INSURANCE COMPANY | $45 | — | $45 | 0.67% |
| JOHN (STEVE) WHITTEN3 Filed as: JOHN ALAN BARNWELL | 3501 103RD ST. LUBBOCK, TX 79423 | CONTINENTAL AMERICAN INSURANCE COMPANY | $26 | — | $26 | 0.39% |
| JASON BENEDICT SALITORE3 | 5518 102ND ST. LUBBOCK, TX 794246422 | CONTINENTAL AMERICAN INSURANCE COMPANY | $18 | — | $18 | 0.27% |
| PAUL N ETHEREDGE3 | 1545 W CROSBY ST. SLATON, TX 793643613 | CONTINENTAL AMERICAN INSURANCE COMPANY | $15 | — | $15 | 0.22% |
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 | 197 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 198 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | PRESBYTERIAN HEALTH PLAN INC. | 0 | $1.2M |
| Dental | PRINCIPAL LIFE INSURANCE COMPANY | 233 | $105K |
| Vision | PRINCIPAL LIFE INSURANCE COMPANY | 233 | $105K |
| Life insurance | PRINCIPAL LIFE INSURANCE COMPANY | 233 | $105K |
| Short-term disability | PRINCIPAL LIFE INSURANCE COMPANY | 233 | $105K |
| Long-term disability | PRINCIPAL LIFE INSURANCE COMPANY | 233 | $105K |
| Other | CONTINENTAL AMERICAN INSURANCE COMPANY | 1 | $7K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 233 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.