| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 | 4411 98TH ST, SUITE 200 LUBBOCK, TX 79424 | BAYLORSCOTT&WHITE HEALTH PLAN | $37K | $0 | $37K | 5.03% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY, LLC | 4411 98TH ST, SUITE 200 LUBBOCK, TX 79424 | BAYLORSCOTT&WHITE HEALTH PLAN | $9K | $0 | $9K | 6.70% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH AND MCLENNAN AGENCY LLC | 2300 RENAISSANCE BLVD KING OF PRUSSIA, PA 19406 | DEARBORN LIFE INSURANCE COMPANY | $17K | $2K | $20K | 22.21% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH AND MCLENNAN AGENCY LLC | 4411 98TH ST LUBBOCK, TX 79424 | METROPOLITAN LIFE INSURANCE COMPANY | $7K | $33 | $7K | 9.20% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN | 250 PEHLE AVE, STE 400 PARK 80 PLAZA 2 SADDLE BROOK, NJ 07663 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $871 | $871 | 1.14% |
| MARSH & MCLENNAN AGENCY LLC3 | 6279 TRI RIDGE BLVD, STE 400 LOVELAND, OH 45140 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $33 | $33 | 0.04% |
| 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 | 25.06% |
| CLINTON JOSHUA CLARK3 | 6308 IOLA AVE, UNIT 109 LUBBOCK, TX 79424 | CONTINENTAL AMERICAN INSURANCE COMPANY | $221 | $0 | $221 | 0.74% |
| MATTHEW LEE CLARK3 | 4125 CAPISTRANO AVE LAS CRUCES, NM 88011 | CONTINENTAL AMERICAN INSURANCE COMPANY | $221 | $0 | $221 | 0.74% |
| MICHAEL W JOINER3 Filed as: MICHAEL WAYNE JOINER | 9106 HURON AVE LUBBOCK, TX 79424 | CONTINENTAL AMERICAN INSURANCE COMPANY | $179 | $0 | $179 | 0.60% |
| CODY DALE VARNELL3 | 5107 JARVIS LUBBOCK, TX 79416 | CONTINENTAL AMERICAN INSURANCE COMPANY | $116 | $0 | $116 | 0.39% |
| MARSH & MCLENNAN AGENCY LLC3 | 4411 98TH STREET, STE 200 LUBBOCK, TX 79424 | TELADOC | $1K | $0 | $1K | 15.01% |
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 | 166 | 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) | 166 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 2 carriers) | BAYLORSCOTT&WHITE HEALTH PLAN | 209 | $880K |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 245 | $76K |
| Vision | METROPOLITAN LIFE INSURANCE COMPANY | 245 | $76K |
| Life insurance | DEARBORN LIFE INSURANCE COMPANY | 162 | $88K |
| Short-term disability | DEARBORN LIFE INSURANCE COMPANY | 162 | $88K |
| Long-term disability | DEARBORN LIFE INSURANCE COMPANY | 162 | $88K |
| Other(2 contracts, 2 carriers) | DEARBORN LIFE INSURANCE COMPANY | 162 | $118K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 245 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.