| 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 | 5.17% |
| CHRISTY ANN SWIFT3 Filed as: CHRISTY SWIFT AND OTHER AGENTS | 9702 REMINGTON AVENUE LUBBOCK, TX 79424 | AFLAC | $11K | $423 | $12K | 3.33% |
| L CARTHEL ENTERPRISE INC3 Filed as: L CARTHEL ENTERPRISE, INC. | 4002 92ND STREET LUBBOCK, TX 79423 | AFLAC | $7K | $639 | $8K | 2.18% |
| KELLY S. MADDEN3 | 5714 YORK AVENUE LUBBOCK, TX 79414 | AFLAC | $4K | $258 | $4K | 1.17% |
| JAVIER E. CANIZALES3 | 1002 WILLOW ROAD WILSON, TX 79381 | AFLAC | $3K | $411 | $3K | 0.96% |
| ADAM O MARQUEZ3 Filed as: ADAM O. MARQUEZ | 5411 43RD STREET LUBBOCK, TX 79414 | AFLAC | $2K | $265 | $3K | 0.74% |
| ANGELIQUE N LILES3 Filed as: ANGELIQUE N. LILES | 9101 HURON AVENUE LUBBOCK, TX 79424 | AFLAC | $2K | $0 | $2K | 0.47% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 6102 82ND STREET, SUITE 6 LUBBOCK, TX 79424 | DEARBORN LIFE INSURANCE COMPANY | $33K | $0 | $33K | 9.80% |
| REUBEN WARNER ASSOCIATES, INC.3 Filed as: WARNER PACIFIC INSURANCE SVCS, INC. | 32110 AGOURA ROAD WESTLAKE VILLAGE, CA 91361 | DEARBORN LIFE INSURANCE COMPANY | $0 | $11K | $11K | 3.35% |
| THE ASHMORE AGENCY, INC.3 Filed as: THE ASHMORE AGENCY,INC. | 6102 82ND STREET, SUITE 6 LUBBOCK, TX 79424 | DEARBORN LIFE INSURANCE COMPANY | $0 | $6K | $6K | 1.66% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 12750 MERIT DRIVE, SUITE 1000 DALLAS, TX 75251 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $10K | $0 | $10K | 20.00% |
| UNKNOWN3 | UNKNOWN LUBBOCK, TX 79408 | ON-SITE HEALTH DIAGNOSTICS | $0 | $39K | $39K | 100.00% |
| 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 | 3 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 20 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 544 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance | DEARBORN LIFE INSURANCE COMPANY | 521 | $336K |
| Short-term disability | AFLAC | 246 | $357K |
| Long-term disability | DEARBORN LIFE INSURANCE COMPANY | 521 | $336K |
| Other(5 contracts, 5 carriers) | AFLAC | 521 | $784K |
| 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."
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.