| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HERITAGE-RM LLC3 | 5241 98TH STREET LUBBOCK, TX 794244494 | UNITEDHEALTHCARE INSURANCE COMPANY | $18K | $127K | $145K | 3.29% |
| CROWN RISK MANAGEMENT, LLC3 Filed as: HERITAGE RISK MANAGEMENT | PO BOX 64790 LUBBOCK, TX 79464 | UNITEDHEALTHCARE INSURANCE COMPANY | $13K | $66K | $79K | 1.80% |
| DALLAS INSURANCE EXCHANGE II INC3 | 15660 DALLAS PARKWAY SUITE 500 DALLAS, TX 752483354 | UNITEDHEALTHCARE INSURANCE COMPANY | $21K | $8K | $29K | 0.65% |
| CROWN RISK MANAGEMENT, LLC3 Filed as: HERITAGE RISK MANAGEMENT | PO BOX 64790 LUBBOCK, TX 79464 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $20K | — | $20K | 10.18% |
| HERITAGE BENEFITS LLC3 Filed as: HERITAGE LLC | 15 MEDICAL DR AMARILLO, TX 79106 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $10K | — | $10K | 4.82% |
| HERITAGE-RM LLC5 Filed as: HERITAGE RM LLC | 5241 98TH ST LUBBOCK, TX 79424 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $3K | $3K | 1.53% |
| HERITAGE RM, LL3 Filed as: HERITAGE-RM LLC DBA NCW INSURANCE | 5241 98TH ST LUBBOCK, TX 79424 | UNITEDHEALTHCARE INSURANCE COMPANY | $18K | — | $18K | 14.30% |
| MASA AGENT3 | 1250 S PINE ISLAND ROAD SUITE 500 PLANTATION, FL 33324 | MEDICAL AIR SERVICE ASSOCIATION, INC. | $4K | — | $4K | 14.70% |
| GCG FINANCIAL LLC3 Filed as: HERITAGE RISK MANAGEMENT, ALERA GRP | PO BOX 64790 LUBBOCK, TX 79464 | MEDICAL AIR SERVICE ASSOCIATION, INC. | $3K | — | $3K | 8.79% |
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 | 571 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 3 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 574 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 923 | $4.4M |
| Dental | UNITEDHEALTHCARE INSURANCE COMPANY | 923 | $4.4M |
| Vision | UNITEDHEALTHCARE INSURANCE COMPANY | 923 | $4.4M |
| Life insurance | UNITEDHEALTHCARE INSURANCE COMPANY | 805 | $125K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 240 | $197K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 240 | $197K |
| Other(3 contracts, 3 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 805 | $352K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 923 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
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.