| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HOLMES MURPHY & ASSOCIATES3 Filed as: HOLMES MURPHY & ASSOCIATES LLC | 2727 GRAND PRAIRIE PARKWAY WAUKEE, IA 50263 | BLUECROSS BLUESHIELD OF TEXAS | $78K | $1K | $79K | 3.82% |
| HOLMES MURPHY & ASSOCIATES3 Filed as: HOLMES MURPHY & ASSOCIATES LLC | PO BOX 441 DES MOINES, IA 50302 | DEARBORN LIFE INSURANCE COMPANY | $14K | $834 | $15K | 10.76% |
| ASHLEY VARNELL3 | 745 JOE ROSALES COURT WOLFFORTH, TX 79382 | AFLAC | $2K | $19 | $2K | 4.67% |
| CRIS CRAND AND CLARY & OTHER AGENTS3 | 4412 74TH STREET, SUITE D101 LUBBOCK, TX 79424 | AFLAC | $935 | $0 | $935 | 2.21% |
| LESLIE SMITH3 | 1408 MEADOW RANCH ROAD MCKINNEY, TX 75071 | AFLAC | $907 | $0 | $907 | 2.14% |
| CODY VARNELL3 | 745 JOE ROSLAES COURT WOLFFORTH, TX 79382 | AFLAC | $744 | $5 | $749 | 1.77% |
| JAMES ALLEN CONNER3 Filed as: JAMES CONNER | 8212 ITHACA AVENUE, SUITE 17TH LUBBOCK, TX 79423 | AFLAC | $700 | $0 | $700 | 1.65% |
| MICHAEL W JOINER3 Filed as: MICHAEL JOINER | 6308 IOLA AVENUE, UNIT 102 LUBBOCK, TX 79424 | AFLAC | $484 | $0 | $484 | 1.14% |
| L CARTHEL ENTERPRISE INC3 | 4002 92ND STREET LUBBOCK, TX 79423 | AFLAC | $288 | $0 | $288 | 0.68% |
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 | 213 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 4 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 6 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 223 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUECROSS BLUESHIELD OF TEXAS | 374 | $2.1M |
| Dental | BLUECROSS BLUESHIELD OF TEXAS | 374 | $2.1M |
| Vision | DEARBORN LIFE INSURANCE COMPANY | 215 | $142K |
| Life insurance | DEARBORN LIFE INSURANCE COMPANY | 215 | $142K |
| Short-term disability | DEARBORN LIFE INSURANCE COMPANY | 215 | $142K |
| Long-term disability | DEARBORN LIFE INSURANCE COMPANY | 215 | $142K |
| Prescription drug | BLUECROSS BLUESHIELD OF TEXAS | 374 | $2.1M |
| Other(2 contracts, 2 carriers) | DEARBORN LIFE INSURANCE COMPANY | 215 | $184K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 374 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.