| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BILL HARTSFIELD & ASSOCIATES Filed as: BILL HARTSFIELD | 4902 LAKERIDGE DR LUBBOCK, TX 79424 | BLUE CROSS / BLUE SHIELD | $67K | $2K | $69K | 3.96% |
| BILL HARTSFIELD & ASSOCIATES Filed as: BILL HARTSFIELD | 4902 LAKERIDGE DR LUBBOCK, TX 79424 | RELIANCE STANDARD | $7K | — | $7K | 10.00% |
| BILL HARTSFIELD & ASSOCIATES Filed as: BILL HARTSFIELD | 4902 LAKERIDGE DR LUBBOCK, TX 79424 | DEARBORN NATIONAL | $8K | $3K | $10K | 20.43% |
| TOTAL BENEFIT SOLUTIONS | 7412 UNIVERSITY AVE LUBBOCK, TX 79423 | THE LINCOLN LIFE INSURANCE COMPANY | $485 | — | $485 | 7.26% |
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 | 108 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 19 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 0 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS / BLUE SHIELD | 221 | $1.7M |
| Dental | RELIANCE STANDARD | 275 | $67K |
| Vision | RELIANCE STANDARD | 275 | $67K |
| Life insurance | DEARBORN NATIONAL | 171 | $51K |
| Long-term disability | DEARBORN NATIONAL | 171 | $51K |
| Prescription drug | BLUE CROSS / BLUE SHIELD | 221 | $1.7M |
| Other(2 contracts, 2 carriers) | DEARBORN NATIONAL | 171 | $57K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 275 | — |
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."
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.