| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HERITAGE-RM LLC3 Filed as: HERITAGE RM, LLC | PO BOX 64790 LUBBOCK, TX 79464 | HCC LIFE INSURANCE | $52K | — | $52K | 13.11% |
| CAPROCK HEALTHPLANS5 Filed as: CAPROCK HEALTH PLANS | 4401 82ND ST , SUITE 1200 LUBBOCK, TX 79424 | HCC LIFE INSURANCE | -$68 | $50K | $50K | 12.46% |
| HERITAGE-RM LLC3 | 5241 98TH ST LUBBOCK, TX 794244494 | AMERITAS LIFE INSURANCE CORP | $8K | — | $8K | 10.00% |
| CAPROCK HEALTHPLANS5 | 4401 82ND ST, SUITE 1200 LUBBOCK, TX 79424 | UNITED-HEALTHCARE INSURANCE | $2K | — | $2K | 11.16% |
| HERITAGE-RM LLC3 Filed as: HERITAGE RM LLC | PO BOX 64790 LUBBOCK, TX 79464 | PRUDENTIAL | $1K | — | $1K | 15.00% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| UNITED HEALTHCARE INSURANCE COMPANY EIN 36-2739571 CLAIMS PROCESSING | Claims processing Service code 12 | PO BOX 1087 WAUSAU, WI 544021087 | $17K |
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 | 212 | 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) | 212 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | HCC LIFE INSURANCE | 297 | $412K |
| Dental(3 contracts, 3 carriers) | HCC LIFE INSURANCE | 297 | $488K |
| Vision(3 contracts, 3 carriers) | HCC LIFE INSURANCE | 297 | $488K |
| Life insurance | PRUDENTIAL | 240 | $7K |
| Prescription drug | HCC LIFE INSURANCE | 212 | $397K |
| Other(2 contracts, 2 carriers) | UNITED-HEALTHCARE INSURANCE | 297 | $22K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 297 | — |
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.