| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES, LLC | 6102 82ND #6 LUBBOCK, TX 79424 | BLUECROSS BLUESHIELD OF TEXAS | $55K | — | $55K | 2.97% |
| THE ASHMORE AGENCY, INC.3 Filed as: ASHMORE & ASSOCIATES INSURANCE AGCY | 6102 82ND #6 LUBBOCK, TX 79424 | BLUECROSS BLUESHIELD OF TEXAS | $2K | — | $2K | 0.12% |
| CUSTOM BENEFIT SERVICES OF MIDLAND3 | TGAAR TOWER 24 SMITH ROAD SUITE 220 MIDLAND, TX 79705 | AMERITAS LIFE INSURANCE CORPORATION | $4K | — | $4K | 3.69% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | 1900 WEST LOOP SOUTH SUITE 1600 HOUSTON, TX 77027 | PRINCIPAL LIFE INSURANCE COMPANY | $10K | $3K | $13K | 17.72% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | 2850 GOLF ROAD FLOOR 11 ROLLING MEADOWS, IL 60008 | PRINCIPAL LIFE INSURANCE COMPANY | — | $2K | $2K | 3.23% |
| TOTAL BENEFIT SOLUTIONS3 | 8008 SLIDE ROAD SUITE 14 LUBBOCK, TX 79424 | TRANSAMERICA LIFE INSURANCE COMPANY | $655 | — | $655 | 10.06% |
| BRYAN S GARVIN3 | 6102 82ND STREET BUILDING 6 LUBBOCK, TX 79424 | TRANSAMERICA LIFE INSURANCE COMPANY | $428 | — | $428 | 6.57% |
| ROBERT Q BOOTHE3 | PO BOX 60130 SAN ANGELO, TX 76906 | TRANSAMERICA LIFE INSURANCE COMPANY | $66 | — | $66 | 1.01% |
| LARRY K. ANDERS3 Filed as: LARRY K ANDERS SUMMIT ALLIANCE | 14785 PRESTON ROAD SUITE 1000 DALLAS, TX 75254 | TRANSAMERICA LIFE INSURANCE COMPANY | $46 | — | $46 | 0.71% |
| DAVIS ALLEN AGENCY INC3 | 8008 SLIDE ROAD SUITE 14 LUBBOCK, TX 79424 | TRANSAMERICA LIFE INSURANCE COMPANY | $26 | — | $26 | 0.40% |
| TOTAL BENEFIT SOLUTIONS3 | 7412 UNIVERSITY AVENUE SUITE 1 LUBBOCK, TX 79423 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $160 | — | $160 | 4.52% |
| 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 | $107 | — | $107 | 3.02% |
| TOTAL BENEFIT SOLUTIONS3 | 7412 UNIVERSITY AVENUE SUITE 1 LUBBOCK, TX 79423 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $396 | — | $396 | 17.70% |
| 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 | $132 | — | $132 | 5.90% |
| DAVIS ALLEN AGENCY INC3 | 7412 UNIVERSITY AVENUE UNIT 1 LUBBOCK, TX 79423 | UNUM LIFE INSURANCE COMPANY OF AMERICA | — | $25 | $25 | 1.12% |
| TOTAL BENEFIT SOLUTIONS3 | 7412 UNIVERSITY AVENUE SUITE 1 LUBBOCK, TX 79423 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $396 | — | $396 | 17.70% |
| 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 | $132 | — | $132 | 5.90% |
| DAVIS ALLEN AGENCY INC3 | 7412 UNIVERSITY AVENUE UNIT 1 LUBBOCK, TX 79423 | UNUM LIFE INSURANCE COMPANY OF AMERICA | — | $25 | $25 | 1.12% |
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 | 183 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 1 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 185 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUECROSS BLUESHIELD OF TEXAS | 269 | $1.9M |
| Dental | AMERITAS LIFE INSURANCE CORPORATION | 169 | $119K |
| Vision | PRINCIPAL LIFE INSURANCE COMPANY | 183 | $74K |
| Life insurance(2 contracts, 2 carriers) | PRINCIPAL LIFE INSURANCE COMPANY | 183 | $80K |
| Long-term disability | PRINCIPAL LIFE INSURANCE COMPANY | 183 | $74K |
| Other(5 contracts, 4 carriers) | PRINCIPAL LIFE INSURANCE COMPANY | 183 | $88K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 269 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.