| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ZACHARY GALBRAITH3 Filed as: ZACHARY LANE GALBRAITH | — | BLUECROSS BLUESHIELD OF TEXAS | $60K | — | $60K | 1.93% |
| SHAMBURGER AGENCY INC3 | 12215 QUAKER AVE LUBBOCK, TX 794247560 | BLUECROSS BLUESHIELD OF TEXAS | $22K | $4K | $26K | 0.83% |
| IGH GALBRAITH LLC3 Filed as: IGH GALBRAITH LLC DBA GALBRAITH GRP | 7021 KENANEE AVENUE UNIT 2-102 LUBBOCK, TX 79424 | DEARBORN NATIONAL LIFE INSURANCE COMPANY | $12K | — | $12K | 10.91% |
| SHAMBURGER AGENCY INC3 | 12215 QUAKER AVENUE LUBBOCK, TX 79424 | DEARBORN NATIONAL LIFE INSURANCE COMPANY | $4K | $7K | $11K | 10.05% |
| IGH GALBRAITH LLC3 | — | NATIONAL GUARDIAN LIFE INSURANCE COMPANY | $830 | — | $830 | 4.19% |
| ZACHARY GALBRAITH3 Filed as: ZACHARY L GALBRAITH | — | NATIONAL GUARDIAN LIFE INSURANCE COMPANY | $651 | — | $651 | 3.29% |
| SHAMBURGER AGENCY INC3 Filed as: SHAMBURGER AGENCY | 12215 QUAKER AVE LUBBOCK, TX 794247560 | NATIONAL GUARDIAN LIFE INSURANCE COMPANY | $499 | — | $499 | 2.52% |
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 | 302 | 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) | 302 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUECROSS BLUESHIELD OF TEXAS | 592 | $3.1M |
| Dental | BLUECROSS BLUESHIELD OF TEXAS | 592 | $3.1M |
| Vision | NATIONAL GUARDIAN LIFE INSURANCE COMPANY | 141 | $20K |
| Life insurance | DEARBORN NATIONAL LIFE INSURANCE COMPANY | 348 | $111K |
| Short-term disability | DEARBORN NATIONAL LIFE INSURANCE COMPANY | 348 | $111K |
| Long-term disability | DEARBORN NATIONAL LIFE INSURANCE COMPANY | 348 | $111K |
| Other | DEARBORN NATIONAL LIFE INSURANCE COMPANY | 348 | $111K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 592 | — |
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.
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.