| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| I.G.H. GALBRAITH LLC3 | — | BLUECROSS BLUESHIELD OF TEXAS | $53K | $3K | $56K | 3.52% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | — | BLUECROSS BLUESHIELD OF TEXAS | $17K | — | $17K | 1.08% |
| I.G.H. GALBRAITH LLC3 Filed as: I G H GALBRAITH LLC | 4411 98TH ST STE 200 LUBBOCK, TX 794241455 | METROPOLITAN LIFE INSURANCE COMPANY | $24K | — | $24K | 12.69% |
| MASS GROUP MARKETING INC3 | 2121 N GLENVILLE DR RICHARDSON, TX 750824329 | METROPOLITAN LIFE INSURANCE COMPANY | — | $6K | $6K | 3.10% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | 5312 114TH ST LUBBOCK, TX 794246621 | METROPOLITAN LIFE INSURANCE COMPANY | $3K | — | $3K | 1.57% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | PO BOX 3009 ARLINGTON HEIGHTS, IL 600063009 | METROPOLITAN LIFE INSURANCE COMPANY | — | $192 | $192 | 0.10% |
| I.G.H. GALBRAITH LLC3 | — | ASSURITY LIFE INSURANCE COMPANY | $5K | — | $5K | 15.43% |
| ZACHARY GALBRAITH3 | — | ASSURITY LIFE INSURANCE COMPANY | $8 | — | $8 | 0.03% |
| WORKSITE MARKETING CONCEPTS INC3 Filed as: WORKSITE MARKETING CONCEPTS, INC. | — | ASSURITY LIFE INSURANCE COMPANY | $4 | — | $4 | 0.01% |
| JANET ANTHONY3 | — | ASSURITY LIFE INSURANCE COMPANY | $4 | — | $4 | 0.01% |
| I.G.H. GALBRAITH LLC3 Filed as: I.G.H. GALBRAITH, LLC | 7007 SALEM PARK DRIVE LUBBOCK, TX 79424 | METLIFE LEGAL PLANS, INC. | $214 | — | $214 | 7.08% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | 5312 114TH ST LUBBOCK, TX 79424 | METLIFE LEGAL PLANS, INC. | $88 | — | $88 | 2.91% |
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 | 230 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 11 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 241 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | BLUECROSS BLUESHIELD OF TEXAS | 218 | $1.6M |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 316 | $188K |
| Vision | METROPOLITAN LIFE INSURANCE COMPANY | 316 | $188K |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 316 | $188K |
| Short-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 316 | $188K |
| Other(3 contracts, 3 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 316 | $220K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 316 | — |
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.