| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GCG FINANCIAL LLC3 Filed as: HERITAGE RISK MANAGEMENT, AN ALERA | PO BOX 64790 LUBBOCK, TX 794644790 | UNITEDHEALTHCARE INSURANCE COMPANY | $27K | $132K | $158K | 5.62% |
| CROWN RISK MANAGEMENT, LLC3 Filed as: HERITAGE RISK MANAGEMENT | PO BOX 64790 LUBBOCK, TX 794644790 | UNITEDHEALTHCARE INSURANCE COMPANY | $41K | — | $41K | 14.57% |
| SIMPLIFIED ENROLLMENT SOLUTIONS3 | 1408 LANCELOT AVE WOLFFORTH, TX 793853207 | METROPOLITAN LIFE INSURANCE COMPANY | $257 | — | $257 | — |
| HERITAGE-RM LLC3 Filed as: HERITAGE-RM, LLC | 5241 98TH ST LUBBOCK, TX 794244494 | METROPOLITAN LIFE INSURANCE COMPANY | $171 | $53 | $224 | — |
| SIMPLIFIED ENROLLMENT SOLUTIONS3 | 1408 LANCELOT AVE WOLFFORTH, TX 793823207 | METROPOLITAN LIFE INSURANCE COMPANY | $342 | — | $342 | — |
| HERITAGE-RM LLC3 | 5241 98TH ST LUBBOCK, TX 794244494 | METROPOLITAN LIFE INSURANCE COMPANY | $228 | $62 | $290 | — |
| SIMPLIFIED ENROLLMENT SOLUTIONS3 Filed as: SIMPLIFIED ENROLLMENT SOLTUONS | 1408 LANCELOT AVE WOLFFORTH, TX 793823207 | METROPOLITAN LIFE INSURANCE COMPANY | $592 | — | $592 | — |
| HERITAGE RM, LL3 | 5241 98TH ST LUBBOCK, TX 794244494 | METROPOLITAN LIFE INSURANCE COMPANY | $395 | $104 | $499 | — |
| CROWN RISK MANAGEMENT, LLC3 Filed as: HERITAGE RISK MANAGEMENT LLC | AN ALERA GROUP AGENCY 5241 98TH ST LUBBOCK, TX 794244494 | METROPOLITAN LIFE INSURANCE COMPANY | $2K | $164 | $2K | — |
| HERITAGE-RM LLC3 Filed as: HERITAGE RM, LLC | 5241 98TH ST LUBBOCK, TX 794244494 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $389 | $389 | — |
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 | 153 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 153 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(4 contracts, 2 carriers) | UNITEDHEALTHCARE INSURANCE COMPANY | 731 | $2.8M |
| Dental | UNITEDHEALTHCARE INSURANCE COMPANY | 731 | $2.8M |
| Vision(2 contracts, 2 carriers) | UNITEDHEALTHCARE INSURANCE COMPANY | 731 | $2.8M |
| Life insurance(2 contracts, 2 carriers) | UNITEDHEALTHCARE INSURANCE COMPANY | 2,853 | $279K |
| Short-term disability(2 contracts, 2 carriers) | UNITEDHEALTHCARE INSURANCE COMPANY | 2,853 | $279K |
| Long-term disability(2 contracts, 2 carriers) | UNITEDHEALTHCARE INSURANCE COMPANY | 2,853 | $279K |
| Prescription drug | UNITEDHEALTHCARE INSURANCE COMPANY | 731 | $2.8M |
| Other(2 contracts, 2 carriers) | UNITEDHEALTHCARE INSURANCE COMPANY | 2,853 | $279K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,853 | — |
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.
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.