| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HOLMES MURPHY & ASSOCIATES3 Filed as: HOLMES MURPHY AND ASSOCIATES LLC | 12712 PARK CENTRAL DRIVE, SUITE 100 DALLAS, TX 75251 | BLUECROSS BLUESHIELD OF TEXAS | $98K | $2K | $100K | 3.80% |
| HOLMES MURPHY & ASSOCIATES3 Filed as: HOLMES MURPHY & ASSOCIATES LLC | PO BOX 441 DES MOINES, IA 50302 | DEARBORN LIFE INSURANCE COMPANY | $19K | $0 | $19K | 8.84% |
| ASHLEY VARNELL3 | 745 JOE ROSALES COURT WOLFFORTH, TX 79382 | AFLAC | $4K | $298 | $5K | 10.30% |
| CODY VARNELL3 | 745 JOE ROSALES COURT WOLFFORTH, TX 79382 | AFLAC | $1K | $57 | $1K | 2.87% |
| LESLIE SMITH3 | 1408 MEADOW RANCH ROAD MCKINNEY, TX 75071 | AFLAC | $936 | $0 | $936 | 2.03% |
| MICHAEL W JOINER3 Filed as: MICHAEL JOINER | 6308 IOLA AVENUE, UNIT 2 LUBBOCK, TX 79424 | AFLAC | $803 | $57 | $860 | 1.87% |
| MJ INSURANCE3 Filed as: FRANCISCO SILVA AND VARIOUS AGENTS | 10531 HAMMOCK HILL CONVERSE, TX 78109 | AFLAC | $718 | $11 | $729 | 1.58% |
| JAMES ALLEN CONNER3 Filed as: JAMES CONNER | 8212 ITHACA AVENUE, SUITE 17 LUBBOCK, TX 79423 | AFLAC | $542 | $0 | $542 | 1.18% |
| L CARTHEL ENTERPRISE INC3 Filed as: L CARTHEL ENTERPRISE LLC | 4002 92ND STREET LUBBOCK, TX 79423 | AFLAC | $241 | $0 | $241 | 0.52% |
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 | 233 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 4 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 237 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUECROSS BLUESHIELD OF TEXAS | 433 | $2.6M |
| Dental | BLUECROSS BLUESHIELD OF TEXAS | 433 | $2.6M |
| Vision | DEARBORN LIFE INSURANCE COMPANY | 236 | $218K |
| Life insurance | DEARBORN LIFE INSURANCE COMPANY | 236 | $218K |
| Short-term disability | DEARBORN LIFE INSURANCE COMPANY | 236 | $218K |
| Long-term disability | DEARBORN LIFE INSURANCE COMPANY | 236 | $218K |
| Prescription drug | BLUECROSS BLUESHIELD OF TEXAS | 433 | $2.6M |
| Other(2 contracts, 2 carriers) | DEARBORN LIFE INSURANCE COMPANY | 236 | $264K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 433 | — |
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.