| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| DOUGLAS L HENDRICK3 | 4202 AVE Q LUBBOCK, TX 79412 | HEALTH CARE SERVICE CORPORATION DBA BLUE CROSS BLUE SHIELD OF TEXAS | — | $4K | $4K | 0.08% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH AND MCLENNAN AGENCY | 4411 98TH STREET, SUITE 310 LUBBOCK, TX 79424 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $30K | $0 | $30K | 10.00% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH AND MCLENNAN AGENCY | 8144 WALNUT HILL, 15TH FLOOR DALLAS, TX 75231 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $0 | $6K | $6K | 2.09% |
| DOUGLAS L HENDRICK3 Filed as: DOUGLAS L. HENDRICK | 4411 98TH STREET, SUITE 310 LUBBOCK, TX 79424 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $23K | $0 | $23K | 10.00% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH AND MCLENNAN AGENCY | 4411 98TH STREET, SUITE 310 LUBBOCK, TX 79424 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $21K | $0 | $21K | 20.00% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH AND MCLENNAN AGENCY | 8144 WALNUT HILL, 15TH FLOOR DALLAS, TX 75231 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $0 | $3K | $3K | 2.41% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH AND MCLENNAN AGENCY | 4411 98TH STREET, SUITE 310 LUBBOCK, TX 79424 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $20K | $0 | $20K | 20.00% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: ROBIN BROWN AND OTHER AGENTS | 5911 FOX RUN WAY OKLAHOMA CITY, OK 73142 | AFLAC | $5K | $8 | $5K | 5.43% |
| ROXY DODD GARTON3 | 10448 SAN CLEMENTE DRIVE PAINT ROCK, TX 76866 | AFLAC | $4K | $20 | $4K | 4.30% |
| BENNETT G COOK IV3 Filed as: BENNETT G. COOK IV | 310 FRANKFORD AVENUE, APARTMENT 108 LUBBOCK, TX 79416 | AFLAC | $3K | $0 | $3K | 3.94% |
| CALLIE GARRETT3 | 3400 ALICIA COURT MIDLAND, TX 79707 | AFLAC | $3K | $0 | $3K | 3.46% |
| RODGER LINCOLN WELLS3 | 415 WEST WALL STREET, SUITE 1818 MIDLAND, TX 79701 | AFLAC | $3K | $0 | $3K | 3.25% |
| AMANDA MCCANN POTTER3 | 911 NORTH MIDKIFF ROAD MIDLAND, TX 79701 | AFLAC | $2K | $8 | $2K | 2.46% |
| LINDA DUREN ROBERT3 | 10484 SAN CLEMENTE DRIVE PAINT ROCK, TX 76866 | AFLAC | $1K | $20 | $1K | 1.57% |
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 | 393 | 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) | 393 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HEALTH CARE SERVICE CORPORATION DBA BLUE CROSS BLUE SHIELD OF TEXAS | 1,622 | $4.9M |
| Dental(2 contracts) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 492 | $531K |
| Vision | HEALTH CARE SERVICE CORPORATION DBA BLUE CROSS BLUE SHIELD OF TEXAS | 1,622 | $4.9M |
| Life insurance(2 contracts) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 380 | $207K |
| Prescription drug | HEALTH CARE SERVICE CORPORATION DBA BLUE CROSS BLUE SHIELD OF TEXAS | 1,622 | $4.9M |
| Other(3 contracts, 2 carriers) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 380 | $291K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,622 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.