| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| THE ASHMORE AGENCY, INC.3 Filed as: ASHMORE & ASSOCIATES INSURANCE AGCY | — | BLUECROSS BLUESHIELD OF TEXAS | $40K | $2K | $42K | 2.31% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES, LLC | — | BLUECROSS BLUESHIELD OF TEXAS | $13K | — | $13K | 0.74% |
| COMMUNITY NATIONAL BANK3 | — | BLUECROSS BLUESHIELD OF TEXAS | — | $12 | $12 | 0.00% |
| CUSTOM BENEFIT SERVICES OF MIDLAND3 | TGAAR TOWER 24 SMITH ROAD SUITE 220 MIDLAND, TX 79705 | AMERITAS LIFE INSURANCE CORPORATION | $4K | — | $4K | 3.78% |
| THE ASHMORE AGENCY, INC.3 Filed as: THE ASHMORE AGENCY INC | 6102 82ND STREET SUITE 6 LUBBOCK, TX 79424 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $10K | — | $10K | 17.16% |
| THE ASHMORE AGENCY, INC.3 Filed as: ASHMORE & ASSOCIATES INSURANCE AGCY | — | VISION SERVICE PLAN | $729 | — | $729 | 2.56% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES, INC | — | VISION SERVICE PLAN | $630 | — | $630 | 2.22% |
| TOTAL BENEFIT SOLUTIONS3 | 8008 SLIDE ROAD SUITE 14 LUBBOCK, TX 79424 | TRANSAMERICA LIFE INSURANCE COMPANY | $510 | — | $510 | 2.53% |
| BRYAN S GARVIN3 | 6102 82ND STREET BUILDING 6 LUBBOCK, TX 79424 | TRANSAMERICA LIFE INSURANCE COMPANY | $304 | — | $304 | 1.51% |
| ROBERT Q BOOTHE3 | PO BOX 60130 SAN ANGELO, TX 76906 | TRANSAMERICA LIFE INSURANCE COMPANY | $80 | — | $80 | 0.40% |
| DAVIS ALLEN AGENCY INC3 | 8008 SLIDE ROAD SUITE 14 LUBBOCK, TX 79424 | TRANSAMERICA LIFE INSURANCE COMPANY | $62 | — | $62 | 0.31% |
| ROBERT Q BOOTHE3 | PO BOX 60130 SAN ANGELO, TX 76906 | TRANSAMERICA LIFE INSURANCE COMPANY | $34 | — | $34 | 0.17% |
| LARRY K. ANDERS3 Filed as: LARRY K ANDERS - SUMMIT ALLIANCE | 14785 PRESTON ROAD SUITE 1000 DALLAS, TX 75254 | TRANSAMERICA LIFE INSURANCE COMPANY | $34 | — | $34 | 0.17% |
| THE ASHMORE AGENCY, INC.3 Filed as: THE ASHMORE AGENCY INC | 6102 82ND STREET SUITE 6 LUBBOCK, TX 79424 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $867 | — | $867 | 14.99% |
| TOTAL BENEFIT SOLUTIONS3 | 7412 UNIVERSITY AVENUE UNIT 1 LUBBOCK, TX 79423 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $241 | — | $241 | 4.45% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | 6102 82ND STREET BUILDING 6 LUBBOCK, TX 79424 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $161 | — | $161 | 2.97% |
| TOTAL BENEFIT SOLUTIONS3 | 7412 UNIVERSITY AVENUE UNIT 1 LUBBOCK, TX 79423 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $1K | — | $1K | 50.02% |
| THE ASHMORE AGENCY, INC.3 Filed as: THE ASHMORE AGENCY INC | 6102 82ND STREET SUITE 6 LUBBOCK, TX 79424 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $414 | — | $414 | 16.70% |
| DAVIS ALLEN AGENCY INC0 | 7412 UNIVERSITY AVENUE UNIT 1 LUBBOCK, TN 79423 | UNUM LIFE INSURANCE COMPANY OF AMERICA | — | $99 | $99 | 3.99% |
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 | 181 | 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) | 181 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUECROSS BLUESHIELD OF TEXAS | 272 | $1.8M |
| Dental | AMERITAS LIFE INSURANCE CORPORATION | 171 | $114K |
| Vision | VISION SERVICE PLAN | 151 | $28K |
| Life insurance(3 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 188 | $81K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 188 | $55K |
| Other(4 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 188 | $69K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 272 | — |
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.