| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ACRISURE LLC3 Filed as: ACRISURE LLC DBA ECHELON ADVISORS | 2150 S CENTRAL EXPY STE 280 MCKINNEY, TX 75070 | METROPOLITAN LIFE INSURANCE COMPANY | $28K | — | $28K | 12.32% |
| ACRISURE LLC3 | DBA GARCEAU INSURANCE AGENCY PO BOX 1788 GRAND RAPIDS, MI 49501 | METROPOLITAN LIFE INSURANCE COMPANY | — | $860 | $860 | 0.38% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | PO BOX 3009 ARLINGTON HEIGHTS, IL 60006 | METROPOLITAN LIFE INSURANCE COMPANY | — | $711 | $711 | 0.31% |
| ACRISURE LLC3 | 100 OTTAWA AVE SW GRAND RAPIDS, MI 49503 | CONTINENTAL AMERICAN INSURANCE COMPANY | $3K | — | $3K | 8.96% |
| ASHLEY VARNELL3 Filed as: ASHLEY PAIGE VARNELL | 745 JOE ROSALES CT WOLFFORTH, TX 79382 | CONTINENTAL AMERICAN INSURANCE COMPANY | $2K | — | $2K | 7.75% |
| CODY DALE VARNELL3 | 5107 JARVIS LUBBOCK, TX 79416 | CONTINENTAL AMERICAN INSURANCE COMPANY | $2K | — | $2K | 5.32% |
| MICHAEL W JOINER3 Filed as: MICHAEL WAYNE JOINER | 9106 HURON AVE LUBBOCK, TX 79424 | CONTINENTAL AMERICAN INSURANCE COMPANY | $597 | — | $597 | 1.87% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | 111 VETERANS BLVD STE 1130 METAIRIE, LA 70005 | CONTINENTAL AMERICAN INSURANCE COMPANY | $109 | — | $109 | 0.34% |
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 | 204 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 204 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 404 | $228K |
| Vision | METROPOLITAN LIFE INSURANCE COMPANY | 404 | $228K |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 404 | $228K |
| Short-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 404 | $228K |
| Long-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 404 | $228K |
| Other(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 404 | $260K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 404 | — |
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.
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.