| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BILL HARTSFIELD & ASSOCIATES3 Filed as: BILL HARTSFIELD & ASSOCIATES INC | 4902 LAKERIDGE DR LUBBOCK, TX 794244006 | SHA, L.L.C. | $37K | — | $37K | 3.33% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY LLC CO | 8144 WALNUT HILL DR 15TH DALLAS, TX 75231 | SHA, L.L.C. | $18K | — | $18K | 1.67% |
| MARSH & MCLENNAN AGENCY LLC3 | 8144 WALNUT HILL DR 15TH DALLAS, TX 75231 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $8K | — | $8K | 14.74% |
| BILL HARTSFIELD & ASSOCIATES3 Filed as: BILL HARTSFIELD & ASSOCIATES INC | 4902 LAKERIDGE DR LUBBOCK, TX 79424 | AMERITAS LIFE INSURANCE CORP | $3K | $524 | $3K | 11.84% |
| MARSH & MCLENNAN AGENCY LLC3 | 8144 WALNUT HILL DR 15TH DALLAS, TX 75231 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $1K | — | $1K | 14.99% |
| MARSH & MCLENNAN AGENCY LLC3 | 8144 WALNUT HILL DR 15TH DALLAS, TX 75231 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $944 | — | $944 | 17.69% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| INSURANCE MANAGEMENT SERVICES EIN 75-2355889 TPA | Plan Administrator; Claims processing Service code 12 | 731 N TAYLOR AMARILLO, TX 79107 | $9K |
| BILL HARTSFIELD & ASSOCIATES INC EIN 48-1262374 INSURANCE AGENT | Insurance agents and brokers Service code 22 | 4902 LAKERIDGE DR LUBBOCK, TX 79424 | $2K |
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 | 195 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 195 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | SHA, L.L.C. | 310 | $1.1M |
| Vision | AMERITAS LIFE INSURANCE CORP | 325 | $28K |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 195 | $55K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 19 | $7K |
| Other | LIFE INSURANCE COMPANY OF NORTH AMERICA | 195 | $5K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 325 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.