| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| IGH GALBRAITH LLC3 Filed as: IGH GALBRAITH GROUP | — | BAYLOR SCOTT & WHITE HEALTH PLAN | $87K | — | $87K | 5.18% |
| DAVIS ALLEN AGENCY INC3 Filed as: DAVIS JERR | — | BAYLOR SCOTT & WHITE HEALTH PLAN | $9K | — | $9K | 0.51% |
| DAVID J MCCLELLAN3 Filed as: DAVID ALLEN INS AGENCY | — | BAYLOR SCOTT & WHITE HEALTH PLAN | $8K | — | $8K | 0.49% |
| I.G.H. GALBRAITH LLC3 Filed as: I G H GALBRAITH LLC | 7007 SALEM PARK ST LUBBOCK, TX 794248101 | METROPOLITAN LIFE INSURANCE COMPANY | $24K | — | $24K | 11.31% |
| MASS GROUP MARKETING INC3 | 2121 N GLENVILLE DR RICHARDSON, TX 750824329 | METROPOLITAN LIFE INSURANCE COMPANY | — | $5K | $5K | 2.24% |
| ROSS LEE SHAMBURGER3 Filed as: ROSS SHAMBURGER | 12215 QUAKER AVE LUBBOCK, TX 794247560 | METROPOLITAN LIFE INSURANCE COMPANY | $2K | — | $2K | 0.82% |
| I.G.H. GALBRAITH LLC3 | — | ASSURITY LIFE INSURANCE COMPANY | $7K | — | $7K | 14.03% |
| ZACHARY GALBRAITH3 | — | ASSURITY LIFE INSURANCE COMPANY | $241 | — | $241 | 0.50% |
| WORKSITE MARKETING CONCEPTS INC3 | — | ASSURITY LIFE INSURANCE COMPANY | $125 | — | $125 | 0.26% |
| JANET ANTHONY3 | — | ASSURITY LIFE INSURANCE COMPANY | $125 | — | $125 | 0.26% |
| DIANE WALL, INC.3 Filed as: DIANE WALL INC | — | ASSURITY LIFE INSURANCE COMPANY | $9 | — | $9 | 0.02% |
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 | 239 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 6 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 245 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | BAYLOR SCOTT & WHITE HEALTH PLAN | 345 | $1.7M |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 365 | $210K |
| Vision | METROPOLITAN LIFE INSURANCE COMPANY | 365 | $210K |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 365 | $210K |
| Short-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 365 | $210K |
| Other(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 365 | $258K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 365 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
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.