| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BILL HARTSFIELD & ASSOCIATES3 Filed as: BILL HARTSFIELD & ASSOCIATES INC. | 4411 98TH STREET SUITE 310 LUBBOCK, TX 79424 | SHA, LLC | $54K | — | $54K | 5.00% |
| BILL HARTSFIELD & ASSOCIATES3 Filed as: BILL HARTSFIELD & ASSOCIATES, INC. | 4411 98TH ST SUITE 310 LUBBOCK, TX 79424 | SOUTHWEST LIFE AND HEALTH | $17K | — | $17K | 5.00% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY, LLC | 8144 WALNUT HILL LANE FLOOR 15 DALLAS, TX 75231 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $13K | — | $13K | 15.00% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY, LLC | 8144 WALNUT HILL LANE FLOOR 15 DALLAS, TX 75231 | AMERITAS LIFE INSURANCE COMPANY | $3K | — | $3K | 10.00% |
| BILL HARTSFIELD & ASSOCIATES3 Filed as: BILL HARTSFIELD & ASSOCIATES INC. | 4411 98TH STREET SUITE 310 LUBBOCK, TX 79424 | AMERITAS LIFE INSURANCE COMPANY | — | $111 | $111 | 0.43% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY, LLC | 8144 WALNUT HILL LANE FLOOR 15 DALLAS, TX 75231 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $1K | — | $1K | 15.00% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY, LLC | 8144 WALNUT HILL LANE FLOOR 15 DALLAS, TX 75231 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $1K | — | $1K | 15.00% |
| BILL HARTSFIELD & ASSOCIATES3 Filed as: BILL HARTSFIELD & ASSOCIATES, INC. | 4411 98TH STREET SUITE 310 LUBBOCK, TX 79424 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $468 | — | $468 | 15.12% |
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 | 206 | 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) | 206 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | SHA, LLC | 266 | $1.4M |
| Vision | AMERITAS LIFE INSURANCE COMPANY | 332 | $26K |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 206 | $84K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 292 | $7K |
| Prescription drug(2 contracts, 2 carriers) | SHA, LLC | 266 | $1.4M |
| Other(2 contracts, 2 carriers) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 206 | $12K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 332 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.