| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES | — | BLUECROSS BLUESHIELD OF TEXAS | $42K | $0 | $42K | 0.60% |
| UPSHAW INSURANCE AGENCY INC.3 | — | BLUECROSS BLUESHIELD OF TEXAS | $42K | $0 | $42K | 0.60% |
| INSURORS OF TEXAS GENERAL AGENCY3 | — | BLUECROSS BLUESHIELD OF TEXAS | $0 | $6K | $6K | 0.09% |
| NEELY CRAIG & WALTON LLP3 | PO BOX 506 AMARILLO, TX 79105 | METROPOLITAN LIFE INSURANCE COMPANY | $28K | $0 | $28K | 6.54% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC. | 2 PIERCE PL ITASCA, IL 60143 | METROPOLITAN LIFE INSURANCE COMPANY | $15K | $41 | $15K | 3.46% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC. | PO BOX 3009 ARLINGTON HEIGHTS, IL 60006 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $2K | $2K | 0.48% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES | 12750 MERIT DR STE 1000 DALLAS, TX 75251 | VISION SERVICE PLAN | $1K | — | $1K | 1.35% |
| NEELY CRAIG & WALTON LLP3 | PO BOX 506 AMARILLO, TX 79105 | VISION SERVICE PLAN | $1K | — | $1K | 1.21% |
| HERITAGE-RM LLC Filed as: HERITAGE RM, LLC | 5241 98TH ST LUBBOCK, TX 79424 | VISION SERVICE PLAN | $525 | — | $525 | 0.62% |
| UPSHAW INSURANCE AGENCY INC.3 Filed as: UPSHAW INSURANCE AGENCY | 801 S FILLMORE STE 300 AMARILLO, TX 79101 | DEARBORN NATIONAL LIFE INSURANCE COMPANY | $4K | — | $4K | 7.58% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES | 5420 LBJ FREEWAY, STE 400 DALLAS, TX 75240 | DEARBORN NATIONAL LIFE INSURANCE COMPANY | $1K | — | $1K | 2.45% |
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 | 1,856 | 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) | 1,856 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUECROSS BLUESHIELD OF TEXAS | 1,865 | $7.1M |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 2,023 | $422K |
| Vision | VISION SERVICE PLAN | 419 | $84K |
| Life insurance | DEARBORN NATIONAL LIFE INSURANCE COMPANY | 774 | $48K |
| Short-term disability | DEARBORN NATIONAL LIFE INSURANCE COMPANY | 774 | $48K |
| Stop-loss / reinsurancereinsurance | BLUECROSS BLUESHIELD OF TEXAS | 1,865 | $7.1M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,023 | — |
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.