| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | — | BLUECROSS BLUESHIELD OF TEXAS | $36K | $2K | $37K | 4.73% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | 6 DESTA DRIVE SUITE 5900 MIDLAND, TX 79705 | BLUECROSS BLUESHIELD OF TEXAS | — | $21 | $21 | 0.00% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | 1076 HIGHLAND COLONY PARKWAY SUITE 300 RIDGELAND, MS 39157 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $4K | $3K | $6K | 8.37% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES | PO BOX 3009 ARLINGTON HEIGHTS, IL 60006 | DEARBORN LIFE INSURANCE COMPANY | $5K | $2K | $7K | 17.57% |
| THE ASHMORE AGENCY, INC.3 | 6102 82ND STREET #6 LUBBOCK, TX 79424 | DEARBORN LIFE INSURANCE COMPANY | — | $1K | $1K | 3.52% |
| LAQUITA KAY CARTHEL3 | 4002 92ND STREET LUBBOCK, TX 79423 | CONTINENTAL AMERICAN INSURANCE COMPANY | $4K | — | $4K | 14.65% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | 111 VETERANS BOULEVARD SUITE 1130 METAIRIE, LA 70005 | CONTINENTAL AMERICAN INSURANCE COMPANY | $1K | — | $1K | 5.23% |
| KELLY S. MADDEN3 Filed as: KELLY SHAWN MADDEN | 5714 YORK AVENUE LUBBOCK, TX 79414 | CONTINENTAL AMERICAN INSURANCE COMPANY | $948 | — | $948 | 3.81% |
| ANGELIQUE N LILES3 Filed as: ANGELIQUE NOELLE LILES | 9101 HURON AVENUE LUBBOCK, TX 79424 | CONTINENTAL AMERICAN INSURANCE COMPANY | $624 | — | $624 | 2.51% |
| CYNTHIA KAY PATTEN3 | 121 BUCKHORN ROAD BADEN, PA 15005 | CONTINENTAL AMERICAN INSURANCE COMPANY | $222 | — | $222 | 0.89% |
| ADAM O MARQUEZ3 Filed as: ADAM ONTIVEROS MARQUEZ | 2505 CAMBRIDGE ODESSA, TX 79761 | CONTINENTAL AMERICAN INSURANCE COMPANY | $121 | — | $121 | 0.49% |
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 | 111 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 13 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 125 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUECROSS BLUESHIELD OF TEXAS | 176 | $785K |
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 101 | $74K |
| Vision | DEARBORN LIFE INSURANCE COMPANY | 111 | $41K |
| Life insurance | DEARBORN LIFE INSURANCE COMPANY | 111 | $41K |
| Short-term disability | DEARBORN LIFE INSURANCE COMPANY | 111 | $41K |
| Other(2 contracts, 2 carriers) | DEARBORN LIFE INSURANCE COMPANY | 111 | $66K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 176 | — |
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.