| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| IBTX3 | — | SOUTHWEST LIFE AND HEALTH | $33K | — | $33K | 1.03% |
| EDDIE L WILSON3 | PO BOX 1298 LEVELLAND, TX 79336 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $36K | — | $36K | 16.58% |
| PAMELA S. HOLDER3 Filed as: PAMELA S HOLDER | STE 700 5502 58TH ST LUBBOCK, TX 79414 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $4K | — | $4K | 3.86% |
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 | 411 | 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) | 411 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | SOUTHWEST LIFE AND HEALTH | 990 | $3.2M |
| Dental | AMERITAS LIFE INSURANCE CORP | 853 | $332K |
| Vision | AMERITAS LIFE INSURANCE CORP | 853 | $332K |
| Life insurance | UNUM LIFE INSURANCE COMPANY OF AMERICA | 324 | $105K |
| Other(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 324 | $321K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 990 | — |
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."
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.