| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GALLAGHER BENEFIT SERVICES, INC.3 | PO BOX 3009 ARLINGTON HEIGHTS, IL 60006 | AFLAC | $26K | $0 | $26K | 6.82% |
| L CARTHEL ENTERPRISE INC3 Filed as: L. CARTHEL ENTERPRISE, INC. | 4002 92ND STREET LUBBOCK, TX 79423 | AFLAC | $19K | $591 | $19K | 5.14% |
| MJ INSURANCE3 Filed as: AMY HAYES AND VARIOUS AGENTS | PO BOX 302 BUSHAND, TX 79012 | AFLAC | $16K | $2K | $18K | 4.71% |
| ANGELIQUE N LILES3 Filed as: ANGELIQUE N. LILES | 3402 73RD STREET, SUITE E LUBBOCK, TX 79423 | AFLAC | $6K | $10 | $6K | 1.57% |
| TODD EVERETTE TOWNS3 | 5420 28TH STREET LUBBOCK, TX 79407 | AFLAC | $3K | $94 | $4K | 0.94% |
| LAQUITA KAY CARTHEL3 | 4002 92ND STREET LUBBOCK, TX 79423 | AFLAC | $2K | $11 | $2K | 0.62% |
| DAVID M. PUTMAN3 | 5202 AUBURN STREET, SUITE 1032 LUBBOCK, TX 79416 | AFLAC | $2K | $298 | $2K | 0.49% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 6102 82ND STREET, BUILDING 6 LUBBOCK, TX 79424 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $40K | $0 | $40K | 17.78% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 2850 GOLF ROAD, 11TH FLOOR ROLLING MEADOWS, IL 60008 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $0 | $1K | $1K | 0.55% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 6102 82ND STREET, BUILDING 6 LUBBOCK, TX 79424 | DEARBORN LIFE INSURANCE COMPANY | $27K | $0 | $27K | 15.00% |
| THE ASHMORE AGENCY, INC.3 | 6102 82ND STREET, SUITE 6 LUBBOCK, TX 79424 | DEARBORN LIFE INSURANCE COMPANY | $0 | $9K | $9K | 5.00% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 6102 82ND STREET, BUILDING 6 LUBBOCK, TX 79424 | AMERICAN FIDELITY ASSURANCE COMPANY | $685 | $0 | $685 | 4.62% |
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 | 537 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 5 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 9 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 551 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance | DEARBORN LIFE INSURANCE COMPANY | 601 | $182K |
| Short-term disability(2 contracts, 2 carriers) | AFLAC | 348 | $391K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 659 | $223K |
| Other(5 contracts, 5 carriers) | AFLAC | 659 | $874K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 659 | — |
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."
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.