| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | 5312 114TH ST LUBBOCK, TX 79424 | METROPOLITAN LIFE INSURANCE COMPANY | $26K | $54 | $26K | 10.61% |
| ACRISURE LLC3 Filed as: ACRISURE LLC DBA ECHELON ADVISORS | 2150 S CENTRAL EXPY STE 280 MCKINNEY, TX 75070 | METROPOLITAN LIFE INSURANCE COMPANY | $5K | — | $5K | 1.93% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | PO BOX 3009 ARLINGTON HEIGHTS, IL 60006 | METROPOLITAN LIFE INSURANCE COMPANY | — | $4K | $4K | 1.49% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | PO BOX 95287 CHICAGO, IL 60694 | METROPOLITAN LIFE INSURANCE COMPANY | — | $28 | $28 | 0.01% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | 6102 82ND STREET #6 LUBBOCK, TX 79424 | CONTINENTAL AMERICAN INSURANCE COMPANY | $3K | — | $3K | 11.99% |
| ASHLEY VARNELL3 Filed as: ASHLEY P VARNELL | 745 JOE ROSALES CT WOLFFORTH, TX 79423 | CONTINENTAL AMERICAN INSURANCE COMPANY | $3K | — | $3K | 11.98% |
| CODY DALE VARNELL3 Filed as: CODY D VARNELL | 5107 JARVIS LUBBOCK, TX 79416 | CONTINENTAL AMERICAN INSURANCE COMPANY | $2K | — | $2K | 8.44% |
| MICHAEL W JOINER3 | 3304 COUNTY RD 7545 LUBBOCK, TX 79423 | CONTINENTAL AMERICAN INSURANCE COMPANY | $863 | — | $863 | 3.22% |
| USI INSURANCE SERVICES LLC3 Filed as: USI SOUTHWEST INC | 9811 KATY FREEWAY SUITE 500 HOUSTON, TX 77024 | CONTINENTAL AMERICAN INSURANCE COMPANY | $517 | — | $517 | 1.93% |
| JEFFREY M SATTERLEE3 | 100 SUN AVENE STE 650 ALBUQUERQUE, NM 87109 | CONTINENTAL AMERICAN INSURANCE COMPANY | $47 | — | $47 | 0.18% |
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 | 1,066 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 1,066 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 428 | $242K |
| Vision | METROPOLITAN LIFE INSURANCE COMPANY | 428 | $242K |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 428 | $242K |
| Short-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 428 | $242K |
| Long-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 428 | $242K |
| Other(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 428 | $269K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 428 | — |
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.
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.