| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MJ INSURANCE3 Filed as: JAMES CONNER AND VARIOUS AGENTS | 3305 66TH STREET, SUITE 4 LUBBOCK, TX 79413 | AFLAC | $18K | $900 | $18K | 6.09% |
| GALLAGHER BENEFIT SERVICES, INC.3 | PO BOX 3009 ARLINGTON HEIGHTS, IL 60006 | AFLAC | $17K | $0 | $17K | 5.59% |
| L CARTHEL ENTERPRISE INC3 Filed as: L CARTHEL ENTERPRISE, INC. | 4002 92ND STREET LUBBOCK, TX 79423 | AFLAC | $7K | $467 | $8K | 2.58% |
| ROGERS BENEFIT GROUP INC3 Filed as: AIMEE ROGERS | 5308 COUNTY ROAD 7550 LUBBOCK, TX 79416 | AFLAC | $5K | $31 | $5K | 1.64% |
| DAVID M. PUTMAN3 Filed as: DAVID PUTNAM | 5202 AUBURN STREET, APARTMENT 1032 LUBBOCK, TX 79416 | AFLAC | $4K | $4 | $4K | 1.31% |
| AMY SUZANNE HAYES3 Filed as: AMY HAYES | PO BOX 302 BUSHLAND, TX 79012 | AFLAC | $3K | $661 | $3K | 1.06% |
| MICHELLE LEE MORALEZ3 Filed as: MICHELLE MORALEZ | 5121 69TH STREET, SUITE A104 LUBBOCK, TX 79424 | AFLAC | $3K | $0 | $3K | 0.84% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 6102 82ND STREET, BUILDING 6 LUBBOCK, TX 79424 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $30K | $0 | $30K | 17.28% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 2850 GOLF ROAD, 11TH FLOOR ROLLING MEADOWS, IL 60008 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $0 | $1K | $1K | 0.68% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 6102 82ND STREET, SUITE 6 LUBBOCK, TX 79424 | DEARBORN NATIONAL LIFE INSURANCE COMPANY | $26K | $0 | $26K | 15.00% |
| THE ASHMORE AGENCY, INC.3 | 6102 82ND STREET, SUITE 6 LUBBOCK, TX 79424 | DEARBORN NATIONAL LIFE INSURANCE COMPANY | $0 | $9K | $9K | 5.00% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 6102 82ND STREET, SUITE 6 LUBBOCK, TX 79424 | AMERITAS LIFE INSURANCE CORPORATION | $6K | $0 | $6K | 10.00% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 2850 GOLF ROAD, 21ST FLOOR ROLLING MEADOWS, IL 60008 | AMERITAS LIFE INSURANCE CORPORATION | $0 | $2K | $2K | 2.68% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 6102 82ND STREET, SUITE 6 LUBBOCK, TX 79424 | AMERICAN FIDELITY ASSURANCE COMPANY | $978 | $0 | $978 | 4.55% |
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 | 629 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 4 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 9 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 642 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | AMERITAS LIFE INSURANCE CORPORATION | 851 | $56K |
| Life insurance | DEARBORN NATIONAL LIFE INSURANCE COMPANY | 568 | $171K |
| Short-term disability(2 contracts, 2 carriers) | AFLAC | 362 | $325K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 631 | $174K |
| Other(5 contracts, 5 carriers) | AFLAC | 631 | $740K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 851 | — |
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.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.