| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GALLAGHER BENEFIT SERVICES, INC.3 | 6 DESTA DRIVE, SUITE 5900 MIDLAND, TX 79705 | BLUECROSS BLUESHIELD OF TEXAS | $40K | $2K | $43K | 3.04% |
| RISK SERVICES OF LOUISIANA INC3 Filed as: RISK SERVICES OF LOUISIANA, INC. | 333 TEXAS STREET, SUITE 1000 SHREVEPORT, LA 71101 | BLUECROSS BLUESHIELD OF TEXAS | $13K | $0 | $13K | 0.93% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 5312 114TH STREET LUBBOCK, TX 79424 | METROPOLITAN LIFE INSURANCE COMPANY | $22K | $107 | $22K | 12.22% |
| MASS GROUP MARKETING INC3 Filed as: MASS GROUP MARKETING, INC. | 2185 NORTH GLENVILLE DRIVE RICHARDSON, TX 75082 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $5K | $5K | 2.94% |
| GALLAGHER BENEFIT SERVICES, INC.3 | PO BOX 95287 CHICAGO, IL 60690 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $3K | $3K | 1.80% |
| RISK SERVICES OF LOUISIANA INC3 Filed as: RISK SERVICE OF LOUISIANA, INC. | 333 TEXAS STREET, SUITE 1000 SHREVEPORT, LA 71101 | METROPOLITAN LIFE INSURANCE COMPANY | $3K | $0 | $3K | 1.67% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 5312 114TH STREET LUBBOCK, TX 79424 | ASSURITY LIFE INSURANCE COMPANY | $3K | $0 | $3K | 12.28% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY, LLC | UNKNOWN LUBBOCK, TX 79416 | ASSURITY LIFE INSURANCE COMPANY | $2K | $0 | $2K | 5.59% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 5312 114TH STREET LUBBOCK, TX 79424 | METROPOLITAN LIFE INSURANCE COMPANY | $2K | — | $2K | 16.84% |
| MASS GROUP MARKETING INC3 Filed as: MASS GROUP MARKETING, INC. | 2185 NORTH GLENVILLE DRIVE RICHARDSON, TX 75082 | METROPOLITAN LIFE INSURANCE COMPANY | $288 | — | $288 | 2.54% |
| GALLAGHER BENEFIT SERVICES, INC.3 | PO BOX 95287 CHICAGO, IL 60690 | METROPOLITAN LIFE INSURANCE COMPANY | $165 | $1 | $166 | 1.46% |
| IGH GALBRAITH LLC3 Filed as: IGH GALBRAITH ,LLC | 4411 98TH STREET, SUITE 200 LUBBOCK, TX 79424 | METROPOLITAN LIFE INSURANCE COMPANY | $4 | — | $4 | 0.04% |
| GALLAGHER BENEFIT SERVICES, INC.3 | PO BOX 95287 CHICAGO, IL 60694 | METLIFE LEGAL PLANS, INC. | $105 | $16 | $121 | 5.82% |
| RISK SERVICES OF LOUISIANA INC3 Filed as: RISK SERVICES OF LOUISIANA, INC. | 333 TEXAS STREET, SUITE 1000 SHREVEPORT, LA 71101 | METLIFE LEGAL PLANS, INC. | $57 | $0 | $57 | 2.74% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 5312 114TH STREET LUBBOCK, TX 79424 | METLIFE LEGAL PLANS, INC. | -$27 | $0 | -$27 | -1.30% |
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 | 142 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 2 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 146 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUECROSS BLUESHIELD OF TEXAS | 176 | $1.4M |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 291 | $177K |
| Vision | METROPOLITAN LIFE INSURANCE COMPANY | 291 | $177K |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 291 | $177K |
| Short-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 291 | $177K |
| Long-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 291 | $177K |
| Prescription drug | BLUECROSS BLUESHIELD OF TEXAS | 176 | $1.4M |
| Other(4 contracts, 3 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 291 | $218K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 291 | — |
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.