| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH AND MCLENNAN AGENCY LLC | PO BOX 350 CONSHOHOCKEN, PA 19428 | DEARBORN LIFE INSURANCE COMPANY | $23K | $3K | $26K | 22.56% |
| MARSH & MCLENNAN AGENCY LLC3 | PO BOX 350 CONSHOHOCKEN, PA 19428 | SUN LIFE ASSURANCE COMPANY OF CANADA | $11K | $867 | $12K | 10.76% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH AND MCLENNAN AGENCY LLC | 1031 W 4TH AVENUE STE 400 ANCHORAGE, AK 99501 | CONTINENTAL AMERICAN INSURANCE COMPANY | $7K | $0 | $7K | 23.56% |
| CLINTON JOSHUA CLARK3 | 6308 IOLA AVE, UNIT 109 LUBBOCK, TX 79424 | CONTINENTAL AMERICAN INSURANCE COMPANY | $589 | $0 | $589 | 1.94% |
| MATTHEW LEE CLARK3 | 920 COUNTY ROAD 1 WILSON, TX 79381 | CONTINENTAL AMERICAN INSURANCE COMPANY | $532 | $0 | $532 | 1.76% |
| MICHAEL W JOINER3 Filed as: MICHAEL WAYNE JOINER | 9106 HURON AVE LUBBOCK, TX 79424 | CONTINENTAL AMERICAN INSURANCE COMPANY | $481 | $0 | $481 | 1.59% |
| CODY DALE VARNELL3 | 5107 JARVIS LUBBOCK, TX 79416 | CONTINENTAL AMERICAN INSURANCE COMPANY | $307 | $0 | $307 | 1.01% |
| MARSH & MCLENNAN AGENCY LLC3 | 4411 98TH STREET, STE 200 LUBBOCK, IL 79424 | TELADOC | $2K | $0 | $2K | 15.00% |
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 | 203 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 204 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | TELADOC | 127 | $11K |
| Dental | SUN LIFE ASSURANCE COMPANY OF CANADA | 181 | $114K |
| Vision | SUN LIFE ASSURANCE COMPANY OF CANADA | 181 | $114K |
| Life insurance | DEARBORN LIFE INSURANCE COMPANY | 203 | $115K |
| Short-term disability | DEARBORN LIFE INSURANCE COMPANY | 203 | $115K |
| Long-term disability | DEARBORN LIFE INSURANCE COMPANY | 203 | $115K |
| Other(2 contracts, 2 carriers) | DEARBORN LIFE INSURANCE COMPANY | 203 | $146K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 203 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.