| 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 | $132K | $0 | $132K | 2.83% |
| HERITAGE-RM LLC3 Filed as: HERITAGE-RM, LLC | 5241 98TH STREET LUBBOCK, TX 794244494 | BLUE CROSS AND BLUE SHIELD OF TEXAS | $70K | $0 | $70K | 1.51% |
| CROWN RISK MANAGEMENT, LLC3 Filed as: HERITAGE RISK MANAGEMENT LLC | AN ALERA GROUP AGENCY 5241 98TH ST LUBBOCK, TX 794244494 | METROPOLITAN LIFE INSURANCE COMPANY | $25K | $9 | $25K | 11.62% |
| HERITAGE-RM LLC3 Filed as: HERITAGE RM, LLC | 5241 98TH ST LUBBOCK, TX 794244494 | METROPOLITAN LIFE INSURANCE COMPANY | $2K | $5K | $7K | 3.32% |
| SIMPLIFIED ENROLLMENT SOLUTIONS3 Filed as: SIMPLIFIED ENROLLMENT SOLTUONS | 1408 LANCELOT AVE WOLFFORTH, TX 793823207 | METROPOLITAN LIFE INSURANCE COMPANY | $17K | — | $17K | 35.76% |
| HERITAGE RM, LL3 | 5241 98TH ST LUBBOCK, TX 794244494 | METROPOLITAN LIFE INSURANCE COMPANY | $11K | $1K | $13K | 26.59% |
| SIMPLIFIED ENROLLMENT SOLUTIONS3 | 1408 LANCELOT AVE WOLFFORTH, TX 793823207 | METROPOLITAN LIFE INSURANCE COMPANY | $12K | — | $12K | 35.85% |
| HERITAGE-RM LLC3 | 5241 98TH ST LUBBOCK, TX 794244494 | METROPOLITAN LIFE INSURANCE COMPANY | $8K | $926 | $9K | 26.66% |
| SIMPLIFIED ENROLLMENT SOLUTIONS3 | 1408 LANCELOT AVE WOLFFORTH, TX 793853207 | METROPOLITAN LIFE INSURANCE COMPANY | $10K | — | $10K | 35.82% |
| HERITAGE-RM LLC3 Filed as: HERITAGE-RM, LLC | 5241 98TH ST LUBBOCK, TX 794244494 | METROPOLITAN LIFE INSURANCE COMPANY | $7K | $806 | $8K | 26.64% |
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 | 564 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 565 | 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 | 819 | $4.7M |
| Dental | BLUE CROSS AND BLUE SHIELD OF TEXAS | 819 | $4.7M |
| Vision | METROPOLITAN LIFE INSURANCE COMPANY | 841 | $211K |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 841 | $211K |
| Short-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 841 | $211K |
| Long-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 841 | $211K |
| Other(4 contracts) | METROPOLITAN LIFE INSURANCE COMPANY | 841 | $321K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 841 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.