| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ZESCH & PICKETT INSURANCE, LLP3 Filed as: ZESCH AND PICKETT INSURANCE, LLP | PO BOX 431 SAN ANGELO, TX 76902 | BLUE CROSS BLUE SHIELD OF TEXAS | $45K | $2K | $47K | 5.25% |
| ZESCH & PICKETT INSURANCE, LLP3 Filed as: ZESCH AND PICKETT INSURANCE, LLP | PO BOX 431 SAN ANGELO, TX 76902 | HUMANA | $5K | $0 | $5K | 9.79% |
| HPGA, LLC3 Filed as: HPGA LLC DBA CAPROCK GENERAL AGENCY | PO BOX 54139 LUBBOCK, TX 79453 | HUMANA | $86 | $0 | $86 | 0.16% |
| ZESCH & PICKETT INSURANCE, LLP3 Filed as: ZESCH AND PICKETT INSURANCE, LLP | PO BOX 431 SAN ANGELO, TX 76902 | THE HARTFORD | $7K | $0 | $7K | 15.00% |
| ZESCH & PICKETT INSURANCE, LLP3 Filed as: ZESCH AND PICKETT INSURANCE, LLP | PO BOX 431 SAN ANGELO, TX 76902 | AMERITAS LIFE INSURANCE CORP | $2K | $93 | $2K | 10.56% |
| ZESCH & PICKETT INSURANCE, LLP3 Filed as: ZESCH AND PICKETT INSURANCE, LLP | PO BOX 431 SAN ANGELO, TX 76902 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $510 | $0 | $510 | 20.00% |
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 | 146 | 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) | 146 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF TEXAS | 208 | $894K |
| Dental | HUMANA | 112 | $54K |
| Vision | AMERITAS LIFE INSURANCE CORP | 191 | $16K |
| Life insurance | THE HARTFORD | 147 | $46K |
| Long-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 83 | $3K |
| Other | THE HARTFORD | 147 | $46K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 208 | — |
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."
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.