| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 | 2500 CITY WEST BLVD, SUITE 2400 HOUSTON, TX 77042 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $16K | $5K | $21K | 24.04% |
| MARSH & MCLENNAN AGENCY LLC3 | 4411 98TH ST, STE 200 LUBBOCK, TX 79424 | AMERITAS LIFE INSURANCE CORP | $9K | $0 | $9K | 10.00% |
| MARSH & MCLENNAN AGENCY LLC3 | 8144 WALNUT HILL LANE, FL 16 DALLAS, TX 75231 | AMERITAS LIFE INSURANCE CORP | $0 | $3K | $3K | 3.30% |
| MARSH & MCLENNAN AGENCY LLC3 | 1031 W 4TH AVENUE, STE 400 ANCHORAGE, AK 99501 | CONTINENTAL AMERICAN INSURANCE COMPANY | $2K | $0 | $2K | 7.14% |
| MICHELLE LEE MORALEZ3 | 4318 S 30TH ST LUBBOCK, TX 79410 | CONTINENTAL AMERICAN INSURANCE COMPANY | $1K | $0 | $1K | 6.17% |
| JAVIER E. CANIZALES3 Filed as: JAVIER E CANIZALES | 1002 WILLOW RD WILSON, TX 79381 | CONTINENTAL AMERICAN INSURANCE COMPANY | $1K | $0 | $1K | 4.81% |
| MICHAEL W JOINER3 Filed as: MICHAEL WAYNE JOINER | 9106 HURON AVE LUBBOCK, TX 79424 | CONTINENTAL AMERICAN INSURANCE COMPANY | $879 | $0 | $879 | 4.11% |
| CLINTON JOSHUA CLARK3 | 6308 IOLA AVE, UNIT 109 LUBBOCK, TX 79424 | CONTINENTAL AMERICAN INSURANCE COMPANY | $820 | $0 | $820 | 3.84% |
| CODY DALE VARNELL3 | 5107 JARVIS LUBBOCK, TX 79416 | CONTINENTAL AMERICAN INSURANCE COMPANY | $586 | $0 | $586 | 2.74% |
| THE BLUE ORANGE SOLUTIONS, LLC3 | 2435 N CENTRAL EXPY, STE 1200 RICHARDSON, TX 75080 | CONTINENTAL AMERICAN INSURANCE COMPANY | $542 | $0 | $542 | 2.54% |
| ADAM O MARQUEZ3 Filed as: ADAM ONTIVEROS MARQUEZ | 5411 43RD ST LUBBOCK, TX 79414 | CONTINENTAL AMERICAN INSURANCE COMPANY | $338 | $0 | $338 | 1.58% |
| KELLY S. MADDEN3 Filed as: KELLY SHAWN MADDEN | 5714 YORK AVE LUBBOCK, TX 79414 | CONTINENTAL AMERICAN INSURANCE COMPANY | $292 | $0 | $292 | 1.37% |
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 | 148 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 148 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | AMERITAS LIFE INSURANCE CORP | 325 | $86K |
| Vision | AMERITAS LIFE INSURANCE CORP | 325 | $86K |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 170 | $89K |
| Short-term disability | CONTINENTAL AMERICAN INSURANCE COMPANY | 35 | $21K |
| Other(2 contracts, 2 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 170 | $110K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 325 | — |
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.