| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BKCW LP3 Filed as: BKCW, LP | 2100 TRIMMIER RD STE 100 KILLEEN, TX 76541 | BLUECROSS BLUESHIELD OF TEXAS | $67K | — | $67K | 2.09% |
| MARSH & MCLENNAN AGENCY LLC3 | 8144 WALNUT HILL LN FL 15 DALLAS, TX 75231 | BLUECROSS BLUESHIELD OF TEXAS | $28K | $1K | $29K | 0.91% |
| BKCW LP3 Filed as: BKCW, LP | 2100 TRIMMIER RD STE 100 KILLEEN, TX 76541 | AMERITAS | $10K | — | $10K | 6.87% |
| MARSH & MCLENNAN AGENCY LLC3 | 8144 WALNUT HILL LN FL 15 DALLAS, TX 75231 | AMERITAS | $5K | $580 | $5K | 3.51% |
| BKCW LP3 Filed as: BKCW, LP | 2100 TRIMMIER RD STE 100 KILLEEN, TX 76541 | LIBERTY LIFE ASSURANCE COMPANY OF BOSTON | $12K | — | $12K | 13.85% |
| MARSH & MCLENNAN AGENCY LLC3 | 8144 WALNUT HILL 15TH FLOOR DALLAS, TX 75231 | LIBERTY LIFE ASSURANCE COMPANY OF BOSTON | $5K | $513 | $6K | 6.77% |
| BILL HARTSFIELD & ASSOCIATES3 Filed as: BILL HARTSFIELD & ASSOCIATES INC | 4902 LAKERIDGE DRIVE LUBBOCK, TX 79424 | LIBERTY LIFE ASSURANCE COMPANY OF BOSTON | — | $1K | $1K | 1.23% |
| BKCW LP3 Filed as: BKCW, LP | 2100 TRIMMIER RD STE 100 KILLEEN, TX 76541 | LIBERTY LIFE ASSURANCE COMPANY OF BOSTON | $11K | — | $11K | 13.85% |
| MARSH & MCLENNAN AGENCY LLC3 | 8144 WALNUT HILL 15TH FLOOR DALLAS, TX 75231 | LIBERTY LIFE ASSURANCE COMPANY OF BOSTON | $5K | $485 | $5K | 6.77% |
| BILL HARTSFIELD & ASSOCIATES3 Filed as: BILL HARTSFIELD & ASSOCIATES INC | 4902 LAKERIDGE DRIVE LUBBOCK, TX 79424 | LIBERTY LIFE ASSURANCE COMPANY OF BOSTON | — | $945 | $945 | 1.20% |
| BKCW LP3 Filed as: BKCW, LP | 2100 TRIMMIER RD STE 100 KILLEEN, TX 76541 | LIBERTY LIFE ASSURANCE COMPANY OF BOSTON | $10K | — | $10K | 13.61% |
| MARSH & MCLENNAN AGENCY LLC3 | 8144 WALNUT HILL 15TH FLOOR DALLAS, TX 75231 | LIBERTY LIFE ASSURANCE COMPANY OF BOSTON | $5K | $472 | $5K | 7.03% |
| BILL HARTSFIELD & ASSOCIATES3 Filed as: BILL HARTSFIELD & ASSOCIATES LLC | 4902 LAKERIDGE DRIVE LUBBOCK, TX 79424 | LIBERTY LIFE ASSURANCE COMPANY OF BOSTON | — | $926 | $926 | 1.25% |
| BILL HARTSFIELD & ASSOCIATES3 | 4411 98TH ST STE 310 LUBBOCK, TX 79424 | SUPERIOR VISION PLAN OF TEXAS | $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 | 428 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 428 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUECROSS BLUESHIELD OF TEXAS | 421 | $3.2M |
| Dental | AMERITAS | 904 | $153K |
| Vision | SUPERIOR VISION PLAN OF TEXAS | 327 | $28K |
| Life insurance | LIBERTY LIFE ASSURANCE COMPANY OF BOSTON | 428 | $74K |
| Short-term disability | LIBERTY LIFE ASSURANCE COMPANY OF BOSTON | 428 | $74K |
| Long-term disability | LIBERTY LIFE ASSURANCE COMPANY OF BOSTON | 428 | $79K |
| Other | LIBERTY LIFE ASSURANCE COMPANY OF BOSTON | 428 | $83K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 904 | — |
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.