| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BILL HARTSFIELD & ASSOCIATES3 Filed as: BILL HARTSFIELD & ASSOCIATES INC | 4902 LAKERIDGE DR LUBBOCK, TX 794244006 | AMERITAS | $10K | $2K | $12K | 12.02% |
| BILL HARTSFIELD & ASSOCIATES3 Filed as: BILL HARTSFIELD & ASSOCIATES INC | 4902 LAKERIDGE DR LUBBOCK, TX 79424 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $6K | $297 | $6K | 15.86% |
| GPA3 | 12770 MERIT SUITE 100 DALLAS, TX 75251 | AIG | $3K | — | $3K | 10.83% |
| STHEALTH BENEFIT SOLUTIONS LLC3 | 18940 N PIMA ROAD SUITE 210 SCOTTSDALE, AZ 85255 | AIG | — | $1K | $1K | 5.00% |
| BILL HARTSFIELD & ASSOCIATES3 Filed as: BILL HARTSFIELD & ASSOCIATES INC | 4902 LAKERIDGE DR LUBBOCK, TX 79424 | DEARBORN NATIONAL | $4K | — | $4K | 20.00% |
| BILL HARTSFIELD & ASSOCIATES3 Filed as: BILL HARTSFIELD & ASSOCIATES INC | 4902 LAKERIDGE DR LUBBOCK, TX 79424 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $611 | $46 | $657 | 10.76% |
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 | 224 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 224 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | AMERITAS | 156 | $103K |
| Vision | AMERITAS | 156 | $103K |
| Life insurance(3 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 224 | $65K |
| Other(4 contracts, 3 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 224 | $89K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 224 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.