| 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 | $110K | $10K | $120K | 2.24% |
| RICKY M JOHNSON3 | BOX 830 WOLFFORTH, TX 79382 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $128K | — | $128K | 24.81% |
| MELODIE F FONTENOT3 | 6812 WAYNE AVE LUBBOCK, TX 79424 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $69K | $35K | $105K | 20.33% |
| KIRBY ADAMS3 | 6907 86TH STREET LUBBOCK, TX 79424 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $33K | $5K | $38K | 7.37% |
| PAULA GAIL NEAL3 | 610 FM 41 LUBBOCK, TX 79423 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $22K | $5K | $27K | 5.17% |
| MICHAEL W JOINER3 Filed as: MICHAEL DON PRICE | 4904 12TH STREET LUBBOCK, TX 79416 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $18K | $352 | $18K | 3.48% |
| FRANCES M ALEMAN3 | P.O. BOX 234 WINTERS, TX 79567 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $13K | $2K | $15K | 2.91% |
| WT WORKSITE SOLUTIONS LLC3 Filed as: WT WORKSITE SOLUTIONS, LLC. | 9300 PLANTATION DRIVE CANYON, TX 79015 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $4K | $5K | $9K | 1.80% |
| RUBY JOYCE FRUGE3 | 2004 NWY 103 PORT BARRE, LA 70577 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $7K | — | $7K | 1.34% |
| RICKY M JOHNSON3 | P.O. BOX 830 WOLFFORTH, TX 793820830 | DEARBORN NATIONAL LIFE INSURANCE COMPANY | $18K | — | $18K | 18.42% |
| RICKY M JOHNSON3 | P.O. BOX 830 WOLFFORTH, TX 793820830 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $5K | — | $5K | 10.65% |
| STEVE WHITBECK3 | 950 FM 3314 NACOGDOCHES, TX 75964 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $309 | — | $309 | 0.72% |
| DONALD W STARNES3 | 10431 DREAMLAND DR SAN ANTONIO, TX 78230 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $221 | — | $221 | 0.52% |
| RODNEY STARNES3 | P.O. BOX 740 HALLETTSVILLE, TX 77964 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $166 | — | $166 | 0.39% |
| RONNIE WAYNE HAMILTON3 Filed as: RONNIE HAMILTON | 5825 NICHOLAS CIRCLE AMARILLO, TX 79109 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $114 | — | $114 | 0.27% |
| CHARLIE MONEY INS SVCS INC3 Filed as: CHARLIE MONEY | 6100 PRESTON RD SUOTE 201 FRISCO, TX 75034 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $110 | — | $110 | 0.26% |
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 | 1,127 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 1,127 | 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 | 1,127 | $5.4M |
| Dental | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 388 | $516K |
| Vision | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 388 | $516K |
| Life insurance(3 contracts, 3 carriers) | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 602 | $658K |
| Short-term disability(2 contracts, 2 carriers) | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 602 | $615K |
| Long-term disability(2 contracts, 2 carriers) | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 602 | $615K |
| Other | DEARBORN NATIONAL LIFE INSURANCE COMPANY | 602 | $100K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,127 | — |
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."
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.