| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CORE BENEFIT SERVICES INC3 Filed as: CORE BENEFIT SERVICES INC. | UNKNOWN BIG SPRINGS, TX 79720 | BLUE CROSS BLUE SHIELD OF TEXAS | $35K | $0 | $35K | 4.20% |
| LOCKTON COMPANIES, LLC3 | 3657 BRIARPARK DRIVE, SUITE 700 HOUSTON, TX 77042 | BLUE CROSS BLUE SHIELD OF TEXAS | $8K | $0 | $8K | 0.93% |
| INSURORS OF TEXAS GENERAL AGCY LTD3 Filed as: INSURORS OF TEXAS GENERAL AGCY, LLC | UNKNOWN BIG SPRINGS, TX 79720 | BLUE CROSS BLUE SHIELD OF TEXAS | $0 | $439 | $439 | 0.05% |
| MICHAEL BOLDEN3 | 4321 EAST 60TH STREET DAVENPORT, IA 52807 | AMFIRST | $6K | $0 | $6K | 8.33% |
| MWL3 | PO BOX 14067 JACKSON, MS 39236 | AMFIRST | $4K | $0 | $4K | 5.00% |
| JASON BENDER3 | 4321 EAST 60TH STREET DAVENPORT, IA 52807 | AMFIRST | $3K | $0 | $3K | 4.00% |
| BRETT HAUGH3 | 2100 ROSS AVENUE, SUITE 1200 DALLAS, TX 75201 | AMFIRST | $1K | $0 | $1K | 1.68% |
| ALJ AVERY & ASSOCIATES3 Filed as: ALJ AVERY AND ASSOCIATES, INC. | PO BOX 351 ODESSA, TX 79760 | DEARBORN NATIONAL LIFE INSURANCE COMPANY | $2K | $0 | $2K | 8.24% |
| LOCKTON COMPANIES, LLC3 | 2100 ROSS AVENUE, SUITE 1200 DALLAS, TX 75201 | DEARBORN NATIONAL LIFE INSURANCE COMPANY | $543 | $0 | $543 | 2.13% |
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 | 245 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 3 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 248 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | BLUE CROSS BLUE SHIELD OF TEXAS | 245 | $900K |
| Dental | BLUE CROSS BLUE SHIELD OF TEXAS | 245 | $830K |
| Vision | DEARBORN NATIONAL LIFE INSURANCE COMPANY | 122 | $25K |
| Life insurance | DEARBORN NATIONAL LIFE INSURANCE COMPANY | 122 | $25K |
| Prescription drug | BLUE CROSS BLUE SHIELD OF TEXAS | 245 | $830K |
| Other | DEARBORN NATIONAL LIFE INSURANCE COMPANY | 122 | $25K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 245 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.