| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HOLMES MURPHY & ASSOCIATES3 Filed as: HOLMES MURPHY & ASSOCIATES LLC | PO BOX 441 DES MOINES, IA 50302 | BLUECROSS BLUESHIELD OF TEXAS | $60K | $2K | $61K | 4.93% |
| HOLMES MURPHY & ASSOCIATES3 Filed as: HOLMES MURPHY & ASSOCIATES LLC | PO BOX 441 DES MOINES, IA 50302 | DEARBORN LIFE INSURANCE COMPANY | $8K | $2K | $10K | 16.46% |
| LESLIE PAIGE SMITH3 | 5209 41ST STREET LUBBOCK, TX 79414 | AFLAC | $2K | $436 | $3K | 6.25% |
| CODY VARNELL3 | 745 JOE ROSALES COURT WOLFFORTH, TX 79382 | AFLAC | $1K | $149 | $1K | 2.49% |
| JAMES D CONNER3 Filed as: JAMES D. CONNER | 8212 ITHACA DRIVE, SUITE 17 LUBBOCK, TX 79423 | AFLAC | $781 | $0 | $781 | 1.68% |
| MJ INSURANCE3 Filed as: RONNIE LEDBETTER AND VARIOUS AGENTS | 6308 LOLA AVENUE, SUITE 107 LUBBOCK, TX 79424 | AFLAC | $708 | $0 | $708 | 1.52% |
| MICHAEL W JOINER3 Filed as: MICHAEL W. JOINER | 6308 IOLA AVENUE, UNIT 102 LUBBOCK, TX 79424 | AFLAC | $429 | $100 | $529 | 1.14% |
| L CARTHEL ENTERPRISE INC3 Filed as: L. CARTHEL ENTERPRISE INC | 4002 92ND STREET LUBBOIK, TX 79423 | AFLAC | $318 | $0 | $318 | 0.68% |
| CRIS CRAND AND CLARY & OTHER AGENTS3 Filed as: CRIS CRAND AND CLARY INC | 4412 74TH STREET, SUITE D101 LUBBOCK, TX 79424 | AFLAC | $238 | $0 | $238 | 0.51% |
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 | 139 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 1 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 142 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUECROSS BLUESHIELD OF TEXAS | 248 | $1.2M |
| Dental | BLUECROSS BLUESHIELD OF TEXAS | 248 | $1.2M |
| Vision | DEARBORN LIFE INSURANCE COMPANY | 138 | $63K |
| Life insurance | DEARBORN LIFE INSURANCE COMPANY | 138 | $63K |
| Short-term disability | DEARBORN LIFE INSURANCE COMPANY | 138 | $63K |
| Long-term disability | DEARBORN LIFE INSURANCE COMPANY | 138 | $63K |
| Prescription drug | BLUECROSS BLUESHIELD OF TEXAS | 248 | $1.2M |
| Other(2 contracts, 2 carriers) | DEARBORN LIFE INSURANCE COMPANY | 138 | $109K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 248 | — |
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.