| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| SANFORD AND TATUM3 | 5241 98TH STREET LUBBOCK, TX 79424 | COMPANION LIFE INSURANCE COMPANY | $17K | — | $17K | 9.99% |
| 90 DEGREE BENEFITS5 | 4401 82ND LUBBOCK, TX 79424 | COMPANION LIFE INSURANCE COMPANY | $9K | — | $9K | 5.03% |
| 90 DEGREE BENEFITS5 | 4401 82ND STE 1200 LUBBOCK, TX 79424 | UNITED HEALTHCARE INSURANCE CO (OPTUM) | $2K | — | $2K | 10.02% |
| 90 DEGREE BENEFITS5 | 4401 82ND STE 1200 LUBBOCK, TX 79424 | PRUDENTIAL | $629 | — | $629 | 7.53% |
| SANFORD AND TATUM3 | 5241 98TH STREET LUBBOCK, TX 79424 | PRUDENTIAL | $626 | — | $626 | 7.50% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| 90 DEGREE BENEFITS EIN 26-1569907 CONTRACT ADMINSTRATOR | Contract Administrator Service code 13 | 4401 82ND STREET LUBBOCK, TX 79424 | $140K |
| GLASS CONTROL, INC. EIN 75-2203190 EMPLOYER SPONSOR | Contract Administrator Service code 13 | P.O.BOX 64190 LUBBOCK, TX 79464 | $42K |
| BOLINGER,SEGARS,GILBERT & MOSS EIN 75-0882037 AUDITOR | Accounting (including auditing) Service code 10 | 8215 NASHVILLE AVE LUBBOCK, TX 79423 | $10K |
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 | 187 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 3 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 190 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance | PRUDENTIAL | 190 | $8K |
| Stop-loss / reinsurancereinsurance | COMPANION LIFE INSURANCE COMPANY | 190 | $170K |
| Other | UNITED HEALTHCARE INSURANCE CO (OPTUM) | 190 | $19K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 190 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.