| 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 | — | $5K | $5K | 0.08% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH AND MCLENNAN AGENCY | 2300 RENAISSANCE BOULEVARD KING OF PRUSSIA, PA 19406 | DEARBORN LIFE INSURANCE COMPANY | $0 | $9K | $9K | 4.61% |
| BRENDA MEACHAM3 Filed as: BRENDA L. MEACHAM AND OTHER AGENTS | 200 EAST GARY BOULEVARD CLINTON, OK 73601 | AFLAC | $15K | $148 | $15K | 11.55% |
| ROXY DODD GARTON3 | 10448 SAN CLEMENTE DRIVE PAINT ROCK, TX 76866 | AFLAC | $4K | $360 | $4K | 3.30% |
| BENNETT G COOK IV3 Filed as: BENNETT G. COOK, IV | 310 FRANKFORD AVENUE, APARTMENT 108 LUBBOCK, TX 79416 | AFLAC | $3K | $651 | $4K | 3.15% |
| RODGER LINCOLN WELLS3 | 415 WEST WALL STREET, SUITE 1818 MIDLAND, TX 79701 | AFLAC | $4K | $424 | $4K | 3.10% |
| CALLIE GARRETT3 | 3400 ALICIA COURT MIDLAND, TX 79707 | AFLAC | $3K | $660 | $3K | 2.62% |
| JEAN LAMB3 | PO BOX 607 ANDREWS, TX 79714 | AFLAC | $3K | $0 | $3K | 2.55% |
| AMANDA MCCANN POTTER3 | 911 NORTH MIDKIFF ROAD MIDLAND, TX 79701 | AFLAC | $2K | $358 | $2K | 1.74% |
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 | 373 | 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) | 373 | 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 | 1,642 | $6.9M |
| Dental | BLUE CROSS BLUE SHIELD OF TEXAS | 1,642 | $0 |
| Vision | HEALTH CARE SERVICE CORPORATION DBA BLUE CROSS BLUE SHIELD OF TEXAS | 1,642 | $6.9M |
| Life insurance | DEARBORN LIFE INSURANCE COMPANY | 0 | $194K |
| Prescription drug | HEALTH CARE SERVICE CORPORATION DBA BLUE CROSS BLUE SHIELD OF TEXAS | 1,642 | $6.9M |
| Other(2 contracts, 2 carriers) | DEARBORN LIFE INSURANCE COMPANY | 83 | $324K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,642 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker comp is under 1% of premium on a >$1M plan. Plan may be flying solo or paying a flat fee — consultant sales target.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.