| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GCG FINANCIAL LLC3 Filed as: HERITAGE RISK MANAGEMENT, AN ALERA | PO BOX 64790 LUBBOCK, TX 79464 | BLUE CROSS AND BLUE SHIELD OF TEXAS | $197K | — | $197K | 4.19% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & NOYES, LLC | — | BLUE CROSS AND BLUE SHIELD OF TEXAS | $0 | $8K | $8K | 0.18% |
| CROWN RISK MANAGEMENT, LLC3 Filed as: HERITAGE RISK MANAGEMENT LLC | AN ALERA GROUP AGENCY 5241 98TH ST LUBBOCK, TX 794244494 | METROPOLITAN LIFE INSURANCE COMPANY | $29K | $2K | $31K | 15.06% |
| HERITAGE-RM LLC3 Filed as: HERITAGE RM, LLC | 5241 98TH ST LUBBOCK, TX 794244494 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $5K | $5K | 2.41% |
| SIMPLIFIED ENROLLMENT SOLUTIONS3 Filed as: SIMPLIFIED ENROLLMENT SOLTUONS | 1408 LANCELOT AVE WOLFFORTH, TX 793823207 | METROPOLITAN LIFE INSURANCE COMPANY | $8K | — | $8K | 16.47% |
| HERITAGE RM, LL3 | 5241 98TH ST LUBBOCK, TX 794244494 | METROPOLITAN LIFE INSURANCE COMPANY | $6K | $1K | $7K | 14.75% |
| SIMPLIFIED ENROLLMENT SOLUTIONS3 | 1408 LANCELOT AVE WOLFFORTH, TX 793823207 | METROPOLITAN LIFE INSURANCE COMPANY | $5K | — | $5K | 16.32% |
| HERITAGE-RM LLC3 | 5241 98TH ST LUBBOCK, TX 794244494 | METROPOLITAN LIFE INSURANCE COMPANY | $3K | $834 | $4K | 14.70% |
| SIMPLIFIED ENROLLMENT SOLUTIONS3 | 1408 LANCELOT AVE WOLFFORTH, TX 793853207 | METROPOLITAN LIFE INSURANCE COMPANY | $3K | — | $3K | 13.03% |
| HERITAGE-RM LLC3 Filed as: HERITAGE-RM, LLC | 5241 98TH ST LUBBOCK, TX 794244494 | METROPOLITAN LIFE INSURANCE COMPANY | $2K | $726 | $3K | 12.41% |
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 | 506 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 508 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 2 carriers) | BLUE CROSS AND BLUE SHIELD OF TEXAS | 757 | $4.7M |
| Dental | BLUE CROSS AND BLUE SHIELD OF TEXAS | 757 | $4.7M |
| Vision | METROPOLITAN LIFE INSURANCE COMPANY | 786 | $203K |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 786 | $203K |
| Short-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 786 | $203K |
| Long-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 786 | $203K |
| Other(4 contracts) | METROPOLITAN LIFE INSURANCE COMPANY | 786 | $306K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 786 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.