| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HOLMES MURPHY & ASSOCIATES3 Filed as: HOLMES MURPHY & ASSOCIATES LLC | 12712 PARK CENTRAL DRIVE, SUITE 100 DALLAS, TX 75251 | BLUECROSS BLUESHIELD OF TEXAS | $5K | $0 | $5K | 3.84% |
| HOLMES MURPHY & ASSOCIATES3 Filed as: HOLMES MURPHY & ASSOCIATES LLC | PO BOX 441 DES MOINES, IA 50302 | DEARBORN LIFE INSURANCE COMPANY | $1K | $0 | $1K | 14.45% |
| JAMES ALLEN CONNER3 Filed as: JAMES CONNER | 8212 ITHACA AVENUE, SUITE 17 LUBBOCK, TX 79423 | AFLAC | $60 | $0 | $60 | 1.86% |
| MJ INSURANCE3 Filed as: FRANCISCO SILVAS AND VARIOUS AGENTS | 10531 HAMMOCK HILL CONVERSE, TX 78109 | AFLAC | $44 | $0 | $44 | 1.36% |
| CODY VARNELL3 | 745 JOE ROSALES COURT WOLFFORTH, TX 79382 | AFLAC | $39 | $0 | $39 | 1.21% |
| L CARTHEL ENTERPRISE INC3 | 4002 92ND STREET LUBBOCK, TX 79423 | AFLAC | $23 | $0 | $23 | 0.71% |
| ASHLEY VARNELL3 | 745 JOE ROSALES COURT WOLFFORTH, TX 79382 | AFLAC | $22 | $0 | $22 | 0.68% |
| MICHAEL W JOINER3 Filed as: MICHAEL JOINER | 6308 IOLA AVENUE, UNIT 102 LUBBOCK, TX 79424 | AFLAC | $21 | $0 | $21 | 0.65% |
| CRIS CRAND AND CLARY & OTHER AGENTS3 Filed as: CRIS CRAND & CLARY INC | 4412 74TH STREET, SUITE D101 LUBBOCK, TX 79424 | AFLAC | $19 | $0 | $19 | 0.59% |
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 | 155 | 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) | 155 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUECROSS BLUESHIELD OF TEXAS | 275 | $138K |
| Dental | BLUECROSS BLUESHIELD OF TEXAS | 275 | $138K |
| Vision | DEARBORN LIFE INSURANCE COMPANY | 150 | $8K |
| Life insurance | DEARBORN LIFE INSURANCE COMPANY | 150 | $8K |
| Short-term disability | DEARBORN LIFE INSURANCE COMPANY | 150 | $8K |
| Long-term disability | DEARBORN LIFE INSURANCE COMPANY | 150 | $8K |
| Prescription drug | BLUECROSS BLUESHIELD OF TEXAS | 275 | $138K |
| Other(2 contracts, 2 carriers) | DEARBORN LIFE INSURANCE COMPANY | 150 | $11K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 275 | — |
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."
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.