| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| RICKY M JOHNSON3 | P.O. BOX 830 WOLFFORTH, TX 79382 | BLUE CROSS BLUE SHIELD OF TEXAS | $82K | $0 | $82K | 1.84% |
| RICKY M JOHNSON3 | P.O. BOX 830 WOLFFORTH, TX 79382 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $15K | $0 | $15K | 15.89% |
| STEVE WHITBECK3 | 950 FM 3314 NACOGDOCHES, TX 75964 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $854 | $0 | $854 | 0.88% |
| DONALD W STARNES3 | 10431 DREAMLAND DR SAN ANTONIO, TX 78230 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $672 | $0 | $672 | 0.69% |
| RODNEY STARNES3 | P.O. BOX 740 HALLETSVILLE, TX 77964 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $410 | $0 | $410 | 0.42% |
| CHARLIE MONEY INS SVCS INC3 Filed as: CHARLIE MONEY | 6100 PRESTON RD ST 201 FRISCO, TX 75034 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $205 | $0 | $205 | 0.21% |
| RONNIE WAYNE HAMILTON3 Filed as: RONNIE HAMILTON | 5825 NICHOLS CIRCLE AMARILLO, TX 79109 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $174 | $0 | $174 | 0.18% |
| RICKY M JOHNSON3 Filed as: RICKY M. JOHNSON | P.O. BOX 830 WOLFFORTH, TX 79382 | METROPOLITAN LIFE INSURANCE COMPANY | $6K | $0 | $6K | 8.82% |
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 | 1,063 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 1,063 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | BLUE CROSS BLUE SHIELD OF TEXAS | 1,063 | $4.6M |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 475 | $72K |
| Vision | METROPOLITAN LIFE INSURANCE COMPANY | 475 | $72K |
| Life insurance(2 contracts, 2 carriers) | AMERICAN HERITAGE LIFE INSURANCE COMPANY | 475 | $169K |
| Short-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 475 | $72K |
| Long-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 475 | $72K |
| Other | METROPOLITAN LIFE INSURANCE COMPANY | 475 | $72K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,063 | — |
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."
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.