| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 | 8144 WALNUT HILL LN FL 15 DALLAS, TX 75231 | BLUECROSS BLUESHIELD OF TEXAS | $67K | — | $67K | 2.24% |
| BILL HARTSFIELD & ASSOCIATES3 | 4411 98TH ST STE 310 LUBBOCK, TX 79424 | BLUECROSS BLUESHIELD OF TEXAS | $27K | — | $27K | 0.89% |
| BILL HARTSFIELD & ASSOCIATES3 Filed as: BILL HARTSFIELD & ASSOCIATES INC | 4411 98TH ST STE 310 LUBBOCK, TX 79424 | AMERITAS | $8K | $1K | $9K | 7.06% |
| MARSH & MCLENNAN AGENCY LLC | 8144 WALNUT HILL LN FL 15 DALLAS, TX 75231 | AMERITAS | $5K | — | $5K | 4.08% |
| BILL HARTSFIELD & ASSOCIATES3 Filed as: BILL HARTSFIELD & ASSOCIATES INC | 4902 LAKERIDGE DRIVE LUBBOCK, TX 79424 | LIBERTY LIFE ASSURANCE COMPANY OF BOSTON | $13K | $2K | $15K | 19.38% |
| MARSH & MCLENNAN AGENCY LLC3 | 8144 WALNUT HILL 15TH FLOOR DALLAS, TX 75231 | LIBERTY LIFE ASSURANCE COMPANY OF BOSTON | $3K | — | $3K | 3.30% |
| BILL HARTSFIELD & ASSOCIATES3 Filed as: BILL HARTSFIELD & ASSOCIATES INC | 4902 LAKERIDGE DRIVE LUBBOCK, TX 79424 | LIBERTY LIFE ASSURANCE COMPANY OF BOSTON | $12K | $2K | $14K | 19.41% |
| MARSH & MCLENNAN AGENCY LLC3 | 8144 WALNUT HILL 15TH FLOOR DALLAS, TX 75231 | LIBERTY LIFE ASSURANCE COMPANY OF BOSTON | $2K | — | $2K | 3.30% |
| BILL HARTSFIELD & ASSOCIATES3 Filed as: BILL HARTSFIELD & ASSOCIATES LLC | 4902 LAKERIDGE DRIVE LUBBOCK, TX 79424 | LIBERTY LIFE ASSURANCE COMPANY OF BOSTON | $12K | $2K | $14K | 19.53% |
| MARSH & MCLENNAN AGENCY LLC3 | 8144 WALNUT HILL 15TH FLOOR DALLAS, TX 75231 | LIBERTY LIFE ASSURANCE COMPANY OF BOSTON | $2K | — | $2K | 3.20% |
| BILL HARTSFIELD & ASSOCIATES3 | 4411 98TH ST STE 310 LUBBOCK, TX 79424 | NATIONAL GUARDIAN LIFE INSURANCE COMPANY | $3K | — | $3K | 10.00% |
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 | 349 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 349 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUECROSS BLUESHIELD OF TEXAS | 369 | $3.0M |
| Dental | AMERITAS | 349 | $131K |
| Vision | NATIONAL GUARDIAN LIFE INSURANCE COMPANY | 500 | $26K |
| Life insurance | LIBERTY LIFE ASSURANCE COMPANY OF BOSTON | 349 | $73K |
| Short-term disability | LIBERTY LIFE ASSURANCE COMPANY OF BOSTON | 349 | $77K |
| Long-term disability | LIBERTY LIFE ASSURANCE COMPANY OF BOSTON | 349 | $73K |
| Other | LIBERTY LIFE ASSURANCE COMPANY OF BOSTON | 349 | $77K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 500 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.