| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| THE ASHMORE AGENCY, INC.3 Filed as: ASHMORE & ASSOC INS AGENCY LLC | 6102 82ND STREET, STE 6 LUBBOCK, TX 79424 | BLUECROSS BLUESHIELD OF TEXAS | $46K | $2K | $49K | 3.02% |
| CUSTOM BENEFIT SERVICES OF MIDLAND3 | TGAAR TOWER 24 SMITH RD STE 220 MIDLAND, TX 797054431 | AMERITAS LIFE INSURANCE CORP | $4K | $0 | $4K | 3.93% |
| THE ASHMORE AGENCY, INC.3 Filed as: THE ASHMORE AGENCY INC | 6102 82ND ST STE 6 LUBBOCK, TX 79424 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $9K | $0 | $9K | 17.28% |
| THE ASHMORE AGENCY, INC.3 Filed as: ASHMORE & ASSOCIATES INS AGENCY LLC | 6102 82ND ST STE 6 LUBBOCK, TX 79424 | VISION SERVICE PLAN | $1K | $0 | $1K | 4.73% |
| TOTAL BENEFIT SOLUTIONS3 | 8008 SLIDE ROAD, STE 14 LUBBOCK, TX 79424 | TRANSAMERICA LIFE INSURANCE COMPANY | $123 | $0 | $123 | 1.50% |
| BRYAN S GARVIN3 | 6102 82ND ST, BLDG 6 LUBBOCK, TX 79424 | TRANSAMERICA LIFE INSURANCE COMPANY | $80 | $0 | $80 | 0.98% |
| DAVIS ALLEN AGENCY INC3 | 8008 SLIDE RD, STE 14 LUBBOCK, TX 79424 | TRANSAMERICA LIFE INSURANCE COMPANY | $49 | $0 | $49 | 0.60% |
| ROBERT Q BOOTHE3 | PO BOX 60130 SAN ANGELO, TX 76906 | TRANSAMERICA LIFE INSURANCE COMPANY | $27 | $0 | $27 | 0.33% |
| TOTAL BENEFIT SOLUTIONS3 | 7412 UNIVERSITY AVENUE UNIT 1 LUBBOCK, TX 79423 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $295 | $0 | $295 | 4.41% |
| THE ASHMORE AGENCY, INC.3 Filed as: ASHMORE & ASSOCIATES INS AGENCY LLC | 6102 82ND ST BLDG 6 LUBBOCK, TX 79424 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $196 | $0 | $196 | 2.93% |
| THE ASHMORE AGENCY, INC.3 Filed as: THE ASHMORE AGENCY INC | 6102 82ND ST STE 6 LUBBOCK, TX 79424 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $777 | $0 | $777 | 15.00% |
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 | 180 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Beneficiaries receiving benefits | 0 | Spouses or dependents with eligibility independent of the participant. |
| Total participants (= "Plan participants" tile) | 182 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUECROSS BLUESHIELD OF TEXAS | 279 | $1.6M |
| Dental | AMERITAS LIFE INSURANCE CORP | 382 | $106K |
| Vision | VISION SERVICE PLAN | 158 | $29K |
| Life insurance(3 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 187 | $67K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 187 | $54K |
| Other(3 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 187 | $66K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 382 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.