| 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 | $86K | $9K | $96K | 1.45% |
| LUBBOCK INSURANCE PARTNERS, LP3 | BOX 830 WOLFFORTH, TX 79382 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $85K | — | $85K | 10.64% |
| THE CAPITAL GROUP LLC3 Filed as: CAPITAL FINANCIAL STRATEGIES, INC. | 4402 93RD DR LUBBOCK, TX 79424 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $42K | $13K | $55K | 6.86% |
| PAULA GAIL NEAL3 | 604 FM 41 LUBBOCK, TX 79423 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $13K | $519 | $14K | 1.72% |
| CAROL LEE HOLDEN3 | 5312 RADIANT LANE AMARILLO, TX 79109 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $7K | $709 | $7K | 0.94% |
| MICHAEL W JOINER3 Filed as: MICHAEL DON PRICE | 8202 CLINTON AVENUE LUBBOCK, TX 79424 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $5K | — | $5K | 0.62% |
| WAYMON RUSSELL COX3 | 2605 HOUSTON CT GRANBURY, TX 76048 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $4K | — | $4K | 0.45% |
| THORNTON TREADWELL THOMAS3 | 4624 28TH STREET LUBBOCK, TX 79410 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $3K | — | $3K | 0.43% |
| FRANCES M ALEMAN3 Filed as: FRANCES ALEMAN | P.O. BOX 234 WINTERS, TX 79567 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2K | — | $2K | 0.26% |
| WT WORKSITE SOLUTIONS LLC3 | 9300 PLANTATION DRIVE CANYON, TX 79015 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $208 | — | $208 | 0.03% |
| RICKY M JOHNSON3 | P.O. BOX 830 WOLFFORTH, TX 79382 | DEARBORN LIFE INSURANCE COMPANY | $22K | — | $22K | 13.62% |
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 | 1,109 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 1,109 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF TEXAS | 1,109 | $6.6M |
| Dental | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 440 | $797K |
| Vision(2 contracts, 2 carriers) | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 609 | $956K |
| Life insurance(2 contracts, 2 carriers) | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 609 | $956K |
| Short-term disability(2 contracts, 2 carriers) | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 609 | $956K |
| Long-term disability(2 contracts, 2 carriers) | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 609 | $956K |
| Other | DEARBORN LIFE INSURANCE COMPANY | 609 | $158K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,109 | — |
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.