| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| TOTAL BENEFITS SOLUTIONS LLC3 Filed as: TOTAL BENEFITS SOLUTIONS | 8008 SLIDE ROAD, SUITE 14 LUBBOCK, TX 79424 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $66K | $0 | $66K | 16.47% |
| EICHLITZ DENNIS WRAY & WESTHEIMER3 | PO BOX 795008 SAN ANTONIO, TX 78279 | UNION SECURITY INSURANCE COMPANY | $0 | $4K | $4K | 1.05% |
| TOTAL BENEFITS SOLUTIONS LLC3 Filed as: TOTAL BENEFITS SOLUTIONS | 8008 SLIDE ROAD, SUITE 14 LUBBOCK, TX 79424 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $20K | $508 | $20K | 13.44% |
| CANNON ALLEN3 Filed as: CANNON E. ALLEN | 8008 SLIDE ROAD, SUITE 14 LUBBOCK, TX 79424 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $2K | $0 | $2K | 1.56% |
| NEW ENGLAND EMPLOYEE BENEFITS CO3 Filed as: THE NEW ENGLAND | ONE FINANCIAL CENTER, 21ST FLOOR BOSTON, MA 02111 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $802 | $0 | $802 | 0.53% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 221 WEST 6TH STREET, SUITE 1980 AUSTIN, TX 78701 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $413 | $21 | $434 | 0.29% |
| DAVIS ALLEN AGENCY INC3 Filed as: DAVIS ALLEN AGENCY, INC. | 8008 SLIDE AVENUE, SUITE 14 LUBBOCK, TX 79424 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $0 | $62 | $62 | 0.04% |
| TOTAL BENEFITS SOLUTIONS LLC3 Filed as: TOTAL BENEFITS SOLUTIONS | 8008 SLIDE ROAD, SUITE 14 LUBBOCK, TX 79424 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $18K | $0 | $18K | 34.20% |
| EICHLITZ DENNIS WRAY & WESTHEIMER3 | PO BOX 795008 SAN ANTONIO, TX 78279 | UNITED DENTAL CARE OF TEXAS INC | $0 | $234 | $234 | 1.04% |
| EICHLITZ DENNIS WRAY & WESTHEIMER3 | PO BOX 795008 SAN ANTONIO, TX 78279 | UNITED DENTAL CARE OF COLORADO INC | $0 | $5 | $5 | 0.93% |
| EICHLITZ DENNIS WRAY & WESTHEIMER3 | PO BOX 795008 SAN ANTONIO, TX 78279 | UDC OF OHIO INC | $0 | $3 | $3 | 2.46% |
| EICHLITZ DENNIS WRAY & WESTHEIMER3 | PO BOX 795008 SAN ANTONIO, TX 78279 | UDC DENTAL OF CALIFORNIA, INC | $0 | $3 | $3 | 2.46% |
| EICHLITZ DENNIS WRAY & WESTHEIMER3 | PO BOX 795008 SAN ANTONIO, TX 78279 | UNION SECURITY DENTALCARE OF NEW JERSEY, INC. | $1 | $0 | $1 | 3.70% |
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 | 1,113 | 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) | 1,113 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental(6 contracts, 6 carriers) | UNION SECURITY INSURANCE COMPANY | 694 | $406K |
| Vision | UNITED HEALTHCARE INSURANCE COMPANY | 1,007 | $718K |
| Life insurance | RELIANCE STANDARD LIFE INSURANCE COMPANY | 1,067 | $399K |
| Short-term disability | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | 477 | $151K |
| Long-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 1,067 | $399K |
| Other(3 contracts, 3 carriers) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 1,067 | $603K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,067 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.