| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HERITAGE-RM LLC3 | 5241 98TH STREET LUBBOCK, TX 79424 | UNITEDHEALTHCARE INSURANCE COMPANY | — | $76K | $76K | 4.71% |
| DALLAS INSURANCE EXCHANGE II INC3 | 15660 DALLAS PARKWAY SUITE 500 DALLAS, TX 75248 | UNITEDHEALTHCARE INSURANCE COMPANY | $17K | — | $17K | 1.05% |
| HERITAGE-RM LLC3 | 5241 98TH STREET # 64790 LUBBOCK, TX 79424 | HUMANA INSURANCE COMPANY | $11K | $1K | $12K | 6.87% |
| HERITAGE-RM LLC3 Filed as: HERITAGE- RM LLC | 15 MEDICAL DRIVE AMARILLO, TN 79106 | HUMANA INSURANCE COMPANY | $1K | $1K | $2K | 1.40% |
| BRANDON LEE CATE3 Filed as: BRANDON L CATE | 2526 82ND STREET SUITE J LUBBOCK, TX 79423 | CONTINENTAL AMERICAN INSURANCE COMPANY | $2K | — | $2K | 9.97% |
| ANGELIQUE N LILES3 Filed as: ANGELIQUE LILES | 305 REGENCY PARKWAY #605 MANSFIELD, TX 76063 | CONTINENTAL AMERICAN INSURANCE COMPANY | $354 | — | $354 | 2.17% |
| L CARTHEL ENTERPRISE INC3 Filed as: L CARTHEL ENTERPRISES INC | 4409 71ST LUBBOCK, TX 79424 | CONTINENTAL AMERICAN INSURANCE COMPANY | $320 | — | $320 | 1.96% |
| JAMES D CONNER3 | 6002 SLIDE ROAD BOX 68193 LUBBOCK, TX 79414 | CONTINENTAL AMERICAN INSURANCE COMPANY | $316 | — | $316 | 1.94% |
| CHRISTY A. SWIFT3 Filed as: CHRISTY A SWIFT | 605 IRIONTON AVENUE LUBBOCK, TX 79416 | CONTINENTAL AMERICAN INSURANCE COMPANY | $290 | — | $290 | 1.78% |
| HERITAGE-RM LLC3 Filed as: HERITAGE-RM, LLC | 5241 98TH STREET LUBBOCK, TX 79464 | CONTINENTAL AMERICAN INSURANCE COMPANY | $250 | — | $250 | 1.53% |
| FRANCISCO (FRANK) SILVAS3 Filed as: FRANCISCO FRANK SILVAS | 4319 TAMMARRON STREET SAN ANTONIO, TX 78217 | CONTINENTAL AMERICAN INSURANCE COMPANY | $71 | — | $71 | 0.44% |
| JOHN (STEVE) WHITTEN3 Filed as: JOHN STEVE WHITTEN | 7606 UNIVERSITY SUITE F LUBBOCK, TX 79423 | CONTINENTAL AMERICAN INSURANCE COMPANY | $46 | — | $46 | 0.28% |
| CECIL RAY PARKER3 | 7606 SOUTH UNIVERSITY SUITE F LUBBOCK, TX 79423 | CONTINENTAL AMERICAN INSURANCE COMPANY | $42 | — | $42 | 0.26% |
| CECIL RAY PARKER3 | 7606 SOUTH UNIVERSITY SUITE F LUBBOCK, TX 79423 | CONTINENTAL AMERICAN INSURANCE COMPANY | $25 | — | $25 | 0.15% |
| ROBERT G. RELPH AGENCY, INC.3 Filed as: ROBERT L CLARK | 7606 UNIVERSITY AVENUE SUITE F LUBBOCK, TX 79423 | CONTINENTAL AMERICAN INSURANCE COMPANY | $6 | — | $6 | 0.04% |
| JOHN (STEVE) WHITTEN3 Filed as: JOHN STEVE WHITTEN | 7606 UNIVERSITY SUITE F LUBBOCK, TX 79423 | CONTINENTAL AMERICAN INSURANCE COMPANY | $6 | — | $6 | 0.04% |
| PETER B WILKINSON JR3 Filed as: PETER B WILKINSON, JR | 1408 LANCELOT AVENUE WOLFFORTH, TX 79382 | CONTINENTAL AMERICAN INSURANCE COMPANY | $1 | — | $1 | 0.01% |
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 | 347 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 176 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 523 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 335 | $1.6M |
| Dental | HUMANA INSURANCE COMPANY | 309 | $174K |
| Vision | HUMANA INSURANCE COMPANY | 309 | $174K |
| Life insurance(2 contracts, 2 carriers) | HUMANA INSURANCE COMPANY | 309 | $190K |
| Other | CONTINENTAL AMERICAN INSURANCE COMPANY | 104 | $16K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 335 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.