| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CAPROCK HEALTHPLANS5 Filed as: CAPROCK HEALTH PLANS | 4401 82ND ST , SUITE 1200 LUBBOCK, TX 79424 | UNIMERICA INSURANCE | $12K | $47K | $58K | 17.59% |
| SANFORD AND TATUM3 Filed as: SANFORD & TATUM INSURANCE | PO BOX 64790 LUBBOCK, TX 79464 | UNIMERICA INSURANCE | $23K | — | $23K | 7.02% |
| S T INSURANCE SERVICES INC3 | 5241 98TH ST LUBBOCK, TX 794245713 | AMERITAS LIFE INSURANCE CORP | $6K | — | $6K | 7.71% |
| HERITAGE-RM LLC3 | 5241 98TH ST LUBBOCK, TX 794244494 | AMERITAS LIFE INSURANCE CORP | $2K | — | $2K | 2.29% |
| DARIN GREENE3 | 2111 MAIN ST PETERSBURG, TX 79250 | PRUDENTIAL | $1K | — | $1K | 15.00% |
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 | 0 | 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) | 0 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNIMERICA INSURANCE | 222 | $331K |
| Dental(2 contracts, 2 carriers) | UNIMERICA INSURANCE | 253 | $406K |
| Vision | AMERITAS LIFE INSURANCE CORP | 253 | $74K |
| Life insurance | PRUDENTIAL | 242 | $7K |
| Prescription drug | UNIMERICA INSURANCE | 222 | $331K |
| Other | PRUDENTIAL | 242 | $7K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 253 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
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.