| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BILL HARTSFIELD & ASSOCIATES3 Filed as: BILL HARTSFIELD AND ASSOCIATES, INC | 4902 LAKERIDGE DRIVE LUBBOCK, TX 79424 | AMERICAN GENERAL LIFE INSURANCE COMPANY | $21K | — | $21K | 8.11% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 2245 TEXAS DRIVE, SUITE 140 SUGAR LAND, TX 77479 | AMERICAN GENERAL LIFE INSURANCE COMPANY | $17K | — | $17K | 6.82% |
| GALLAGHER BENEFIT SERVICES, INC.3 | PO BOX 71542 CHICAGO, IL 60695 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $5K | — | $5K | 6.98% |
| BILL HARTSFIELD & ASSOCIATES3 Filed as: BILL HARTSFIELD AND ASSOCIATES, INC | 4902 LAKERIDGE DRIVE LUBBOCK, TX 79424 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $4K | — | $4K | 5.63% |
| BILL HARTSFIELD & ASSOCIATES3 Filed as: BILL HARTSFIELD AND ASSOCIATES, INC | 4902 LAKERIDGE DRIVE LUBBOCK, TX 79424 | AMERITAS LIFE INSURANCE CORPORATION | $4K | $517 | $4K | 8.53% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 5420 LBJ FREEWAY, SUITE 400 DALLAS, TX 75240 | AMERITAS LIFE INSURANCE CORPORATION | $1K | — | $1K | 2.46% |
| DIA MILLER3 | PO BOX 7079 ABLIENE, TX 79608 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $4 | — | $4 | 1.79% |
| LES MILLER3 | PO BOX 7079 ABLIENE, TX 79608 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $3 | — | $3 | 1.35% |
| JOSEPH F PALMER3 Filed as: JOSEPH R. PALMER | PO BOX 270658 OKLAHOMA CITY, OK 73137 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $2 | — | $2 | 0.90% |
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 | 335 | 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) | 335 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | AMERITAS LIFE INSURANCE CORPORATION | 278 | $52K |
| Life insurance(2 contracts, 2 carriers) | AMERICAN GENERAL LIFE INSURANCE COMPANY | 460 | $255K |
| Long-term disability | AMERICAN GENERAL LIFE INSURANCE COMPANY | 460 | $255K |
| Other(2 contracts, 2 carriers) | AMERICAN GENERAL LIFE INSURANCE COMPANY | 460 | $328K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 460 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.