| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BILL HARTSFIELD & ASSOCIATES3 | 4411 98TH ST 310 LUBBOCK, TX 79424 | AMERITAS | $871 | $452 | $1K | 1.40% |
| MARSH & MCLENNAN AGENCY LLC3 | 250 PEHLE AVE STE 400 SADDLE BROOK, NJ 07663 | AMERITAS | — | $655 | $655 | 0.69% |
| MARSH & MCLENNAN AGENCY LLC3 | 4902 LAKERIDGE DR LUBBOCK, TX 79424 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $7K | — | $7K | 15.82% |
| BILL HARTSFIELD & ASSOCIATES3 | 4411 98TH ST 310 LUBBOCK, TX 79424 | NATIONAL UNION FIRE INSURANCE COMPANY OF PITTSBURGH, PA | $3K | — | $3K | 10.00% |
| STHEALTH BENEFIT SOLUTIONS LLC3 | 18940 N PIMA ROAD SUITE 210 SCOTTSDALE, AZ 85255 | NATIONAL UNION FIRE INSURANCE COMPANY OF PITTSBURGH, PA | — | $2K | $2K | 4.50% |
| TOTAL BENEFIT SOLUTIONS3 | 7412 UNIVERSITY AVE 1 LUBBOCK, TX 79423 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $8K | — | $8K | 27.10% |
| MARSH & MCLENNAN AGENCY LLC3 | 4902 LAKERIDGE DR LUBBOCK, TX 79424 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $6K | — | $6K | 18.85% |
| DAVIS ALLEN AGENCY INC3 Filed as: DAVIS ALLEN AGENCY LLC | 7412 UNIVERSITY AVE UNIT 1 LUBBOCK, TX 79423 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $649 | — | $649 | 2.14% |
| TOTAL BENEFIT SOLUTIONS3 | 7412 UNIVERSITY AVE LUBBOCK, TX 79423 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $9K | — | $9K | 29.62% |
| MARSH & MCLENNAN AGENCY LLC3 | 4902 LAKERIDGE DR LUBBOCK, TX 79424 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $6K | — | $6K | 20.17% |
| DAVIS ALLEN AGENCY INC3 | 7412 UNIVERSITY AVE UNIT 1 LUBBOCK, TX 79423 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $338 | — | $338 | 1.14% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN | 8144 WALNUT HILL 15TH FLOOR DALLAS, TX 75231 | DEARBORN NATIONAL | $2K | — | $2K | 16.37% |
| BILL HARTSFIELD & ASSOCIATES3 Filed as: BILL HARTSFIELD & ASSOCIATES INC | 4902 LAKERIDGE DR LUBBOCK, TX 79424 | DEARBORN NATIONAL | $367 | — | $367 | 3.63% |
| MARSH & MCLENNAN AGENCY LLC3 | 4902 LAKERIDGE DR LUBBOCK, TX 794244006 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $747 | — | $747 | 10.81% |
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 | 279 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 279 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | AMERITAS | 541 | $95K |
| Vision | AMERITAS | 541 | $95K |
| Life insurance(4 contracts, 3 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 279 | $90K |
| Other(5 contracts, 3 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 279 | $125K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 541 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.