| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH AND MCLENNAN AGENCY | UNKNOWN LEVELLAND, TX 79336 | BLUECROSS BLUESHIELD OF TEXAS | $22K | $7K | $29K | 11.11% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES SOUTHWEST | 303 NORTH OREGON STREET, SUITE 210 EL PASO, TX 79901 | BLUECROSS BLUESHIELD OF TEXAS | $4K | $0 | $4K | 1.49% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH AND MCLENNAN AGENCY | 8144 WALNUT HILL LANE, 16TH FLOOR DALLAS, TX 75231 | DEARBORN LIFE INSURANCE COMPANY | $19K | $0 | $19K | 15.00% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH AND MCLENNAN AGENCY | 2300 RENAISSANCE BOULEVARD KING OF PRUSSIA, PA 19406 | DEARBORN LIFE INSURANCE COMPANY | $0 | $2K | $2K | 1.53% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH AND MCLENNAN AGENCY | 4902 LAKERIDGE DRIVE LUBBOCK, TX 79424 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $15K | $0 | $15K | 16.32% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES SOUTHWEST | 3221 COLLINSWORTH STREET FORT WORTH, TX 76107 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $3K | $0 | $3K | 3.68% |
| UNKNOWN3 | UNKNOWN LEVELLAND, TX 79336 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $0 | $2K | $2K | 1.63% |
| RODGER LINCOLN WELLS3 Filed as: RODGER L. WELLS AND OTHER AGENTS | 415 WEST WALL STREET, SUITE 1818 MIDLAND, TX 79701 | AFLAC | $2K | $0 | $2K | 3.68% |
| ROXY DODD GARTON3 | 10448 SAN CLEMENTE DRIVE PAINT ROCK, TX 76866 | AFLAC | $888 | $0 | $888 | 2.09% |
| LINDA DUREN ROBERT3 | 10484 SAN CLEMENTE DRIVE PAINT ROCK, TX 76866 | AFLAC | $505 | $0 | $505 | 1.19% |
| BRENDA MEACHAM3 Filed as: BRENDA L. MEACHAM | 200 EAST GARY BOULEVARD CLINTON, OK 73601 | AFLAC | $384 | $0 | $384 | 0.90% |
| AMANDA MCCANN POTTER3 | PO BOX 591 COMFORT, TX 78013 | AFLAC | $305 | $0 | $305 | 0.72% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: ROBIN BROWN | 5911 FOX RUN WAY OKLAHOMA CITY, OK 73142 | AFLAC | $275 | $0 | $275 | 0.65% |
| TERRY SPERLE3 Filed as: TERRY L. SPERLE | 1211 NORTH GLENN L. ENGLISH STREET CORDELL, OK 73632 | AFLAC | $219 | $0 | $219 | 0.51% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH AND MCLENNAN AGENCY | 4411 98TH STREET, SUITE 200 LUBBOCK, TX 79424 | AMERITAS LIFE INSURANCE CORPORATION | $4K | $0 | $4K | 9.23% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH AND MCLENNAN AGENCY | 8144 WALNUT HILL LANE, 16TH FLOOR DALLAS, TX 75231 | AMERITAS LIFE INSURANCE CORPORATION | $0 | $667 | $667 | 1.65% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES SOUTHWEST | 9811 KATY FREEWAY, SUITE 500 HOUSTON, TX 77024 | AMERITAS LIFE INSURANCE CORPORATION | $309 | $0 | $309 | 0.77% |
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 | 303 | 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) | 303 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | BLUECROSS BLUESHIELD OF TEXAS | 763 | $257K |
| Vision | AMERITAS LIFE INSURANCE CORPORATION | 580 | $40K |
| Life insurance | DEARBORN LIFE INSURANCE COMPANY | 183 | $125K |
| Short-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 156 | $95K |
| Long-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 156 | $95K |
| Other(2 contracts, 2 carriers) | DEARBORN LIFE INSURANCE COMPANY | 183 | $168K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 763 | — |
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.