| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GALLAGHER BENEFIT SERVICES, INC.3 | PO BOX 3009 ARLINGTON HEIGHTS, IL 60006 | AFLAC | $18K | $0 | $18K | 4.93% |
| MJ INSURANCE3 Filed as: CARRIE D. BLAIR AND VARIOUS AGENTS | 1171 EAST FM 193 AFTON, TX 79220 | AFLAC | $12K | $233 | $13K | 3.40% |
| L CARTHEL ENTERPRISE INC3 Filed as: L. CARTHEL ENTERPRISE, INC. | 4002 92ND STREET LUBBOCK, TX 79423 | AFLAC | $8K | $618 | $8K | 2.28% |
| KELLY S. MADDEN3 | 5714 YORK AVENUE LUBBOCK, TX 79414 | AFLAC | $4K | $297 | $4K | 1.20% |
| JAVIER E. CANIZALES3 | 1002 WILLOW ROAD WILSON, TX 79381 | AFLAC | $3K | $422 | $3K | 0.91% |
| ADAM O MARQUEZ3 Filed as: ADAM O. MARQUEZ | 5411 43RD STREET LUBBOCK, TX 79414 | AFLAC | $2K | $297 | $3K | 0.71% |
| ANGELIQUE N LILES3 Filed as: ANGELIQUE N. LILES | 9101 HURON AVENUE LUBBOCK, TX 79424 | AFLAC | $2K | $0 | $2K | 0.50% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 6102 82ND STREET, SUITE 6 LUBBOCK, TX 79424 | DEARBORN LIFE INSURANCE COMPANY | $33K | $0 | $33K | 9.27% |
| THE ASHMORE AGENCY, INC.3 | 6102 SOUTH 82ND STREET, SUITE 6 LUBBOCK, TX 79424 | DEARBORN LIFE INSURANCE COMPANY | $0 | $17K | $17K | 4.76% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 12750 MERIT DRIVE, SUITE 1000 DALLAS, TX 75251 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $18K | $0 | $18K | 20.00% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 6102 82ND STREET, SUITE 6 LUBBOCK, TX 79424 | AMERICAN FIDELITY ASSURANCE COMPANY | $145 | $0 | $145 | 3.61% |
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 | 521 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 6 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 41 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 568 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance | DEARBORN LIFE INSURANCE COMPANY | 521 | $351K |
| Short-term disability | AFLAC | 291 | $370K |
| Long-term disability | DEARBORN LIFE INSURANCE COMPANY | 521 | $351K |
| Other(5 contracts, 5 carriers) | AFLAC | 521 | $849K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 521 | — |
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.