| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| IAN GOODMAN3 | UNKNOWN LUBBOCK, TX 79413 | BAYLOR SCOTT & WHITE HEALTH PLAN | $16K | $0 | $16K | 3.10% |
| RHONDA THOMACK3 | UNKNOWN LUBBOCK, TX 79413 | BAYLOR SCOTT & WHITE HEALTH PLAN | $8K | $0 | $8K | 1.54% |
| DAVIS ALLEN AGENCY INC3 Filed as: DAVIS ALLEN AGENCY, INC. | UNKNOWN LUBBOCK, TX 79413 | BAYLOR SCOTT & WHITE HEALTH PLAN | $3K | $0 | $3K | 0.61% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 5312 114TH STREET LUBBOCK, TX 79424 | PRINCIPAL LIFE INSURANCE COMPANY | $5K | $0 | $5K | 7.93% |
| CROWN RISK MANAGEMENT, LLC3 Filed as: HERITAGE RISK MANAGEMENT | PO BOX 506 AMARILLO, TX 79105 | PRINCIPAL LIFE INSURANCE COMPANY | $2K | $1K | $3K | 5.87% |
| GCG FINANCIAL LLC3 Filed as: ALERA GROUP, INC | 965 GREENTREE ROAD, SUITE 110 PITTSBURGH, PA 15220 | PRINCIPAL LIFE INSURANCE COMPANY | $0 | $698 | $698 | 1.19% |
| HYLANT GROUP INC3 Filed as: MYRANDA D. HYLAND | 4206 87TH STREET LUBBOCK, TX 79423 | AFLAC | $3K | $16 | $3K | 9.87% |
| ADAM O MARQUEZ3 Filed as: ADAM O. MARQUEZ | 5411 43RD STREET LUBBOCK, TX 79414 | AFLAC | $766 | $4 | $770 | 2.70% |
| MICHAEL W JOINER3 Filed as: MICHAEL W. JOINER | 6308 IOLA AVENUE, UNIT 102 LUBBOCK, TX 79424 | AFLAC | $242 | $0 | $242 | 0.85% |
| BRANDON LEE CATE3 | 2514 108TH PLACE LUBBOCK, TX 79423 | AFLAC | $236 | $0 | $236 | 0.83% |
| MJ INSURANCE3 Filed as: SHERIDAN T. WILSON & VARIOUS AGENTS | 3101 DAKOTA DRIVE NORTHLAKE, TX 76226 | AFLAC | $138 | $0 | $138 | 0.48% |
| ANGELIQUE N LILES3 Filed as: ANGELIQUE N. LILES | 9101 HURON AVENUE LUBBOCK, TX 79424 | AFLAC | $125 | $0 | $125 | 0.44% |
| PETER B WILKINSON JR3 Filed as: PETER B. WILKINSON, JR. | 1408 LANCELOT AVENUE WOLFFORTH, TX 79382 | AFLAC | $105 | $0 | $105 | 0.37% |
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 | 106 | 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) | 106 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BAYLOR SCOTT & WHITE HEALTH PLAN | 120 | $511K |
| Dental(2 contracts, 2 carriers) | PRINCIPAL LIFE INSURANCE COMPANY | 155 | $87K |
| Vision(2 contracts, 2 carriers) | PRINCIPAL LIFE INSURANCE COMPANY | 155 | $87K |
| Life insurance(2 contracts, 2 carriers) | PRINCIPAL LIFE INSURANCE COMPANY | 155 | $87K |
| Short-term disability | AFLAC | 42 | $29K |
| Prescription drug | BAYLOR SCOTT & WHITE HEALTH PLAN | 120 | $511K |
| Other(2 contracts, 2 carriers) | PRINCIPAL LIFE INSURANCE COMPANY | 155 | $87K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 155 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.