| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| IRASEMA VELASQUEZ3 | 3223 S LOOP 289 STE 240G LUBBOCK, TX 79423 | AFLAC | $8K | $63 | $8K | 6.39% |
| IRASEMA VELASQUEZ3 | 2411 34TH STREET LUBBOCK, TX 79411 | AFLAC | $4K | $560 | $5K | 3.85% |
| MEGAN RODRIGUEZ3 | 10203 WACO AVENUE LUBBOCK, TX 79423 | AFLAC | $4K | $92 | $4K | 3.07% |
| IRASEMA VELASQUEZ3 | 7409 TOLEDO AVENUE LUBBOCK, TX 79424 | AFLAC | $2K | — | $2K | 1.90% |
| SHERIDAN TAYLOR WILSON3 | 8117 COUNTY ROAD 6220 SHALLOWATER, TX 79363 | AFLAC | $2K | $21 | $2K | 1.55% |
| PETER B WILKINSON JR3 | 1408 LANCELOT AVENUE WOLFFORTH, TX 79382 | AFLAC | $1K | $13 | $1K | 1.05% |
| PETER B WILKINSON JR3 | 6202 IOLA AVENUE STE 115 LUBBOCK, TX 79424 | AFLAC | $783 | $112 | $895 | 0.70% |
| SHIRLEE HEARD3 | 2526 82ND STREET STE C LUBBOCK, TX 79423 | AFLAC | $506 | $103 | $609 | 0.48% |
| CLINTON J CLARK3 | 17206 COUNTY ROAD 1440 WOLFFORTH, TX 79382 | AFLAC | $572 | — | $572 | 0.45% |
| LUIS OSCAR HUERTA3 | 12001 UXBRIDGE AVENUE LUBBOCK, TX 79424 | AFLAC | $441 | — | $441 | 0.35% |
| STEVE WHITTEN3 | 7606 UNIVERSITY AVENUE STE D LUBBOCK, TX 79423 | AFLAC | $271 | — | $271 | 0.21% |
| DAVID R ZUNIGA3 | 6131 36TH STREET LUBBOCK, TX 79407 | AFLAC | $179 | — | $179 | 0.14% |
| L CARTHEL ENTERPRISE INC3 | 4002 92ND STREET LUBBOCK, TX 79423 | AFLAC | $139 | — | $139 | 0.11% |
| ANGELIQUE N LILES3 | 3402 73RD ST UNIT E LUBBOCK, TX 79423 | AFLAC | $137 | — | $137 | 0.11% |
| CAROL JEAN BARTLETT3 | PO BOX 16104 LUBBOCK, TX 79490 | AFLAC | $115 | — | $115 | 0.09% |
| LUIS OSCAR HUERTA3 | 5819 110TH STREET LUBBOCK, TX 79424 | AFLAC | $90 | — | $90 | 0.07% |
| ARTHUR CHAVEZ3 | 4405 58TH STREET LUBBOCK, TX 79414 | AFLAC | $80 | — | $80 | 0.06% |
| JASON WILLIAM SHRIVER3 | 3707 110TH STREET LUBBOCK, TX 79423 | AFLAC | $78 | — | $78 | 0.06% |
| DAVID L DEARDORFF3 | 9083 E 138TH STREET S BIXBY, OK 74008 | AFLAC | $60 | — | $60 | 0.05% |
| MARK STEVEN CHILES3 | 22 BRIERCROFT OFFICE PARK STE 7 LUBBOCK, TX 79412 | AFLAC | $60 | — | $60 | 0.05% |
| SHERRI W WHEELER3 | 5602 YORK AVENUE LUBBOCK, TX 79414 | AFLAC | $57 | — | $57 | 0.04% |
| KELLIE G MCDONALD3 | 6308 IOLA AVENUE UNIT 108 LUBBOCK, TX 79424 | AFLAC | $50 | — | $50 | 0.04% |
| ROBERT G. RELPH AGENCY, INC.3 Filed as: ROBERT L CLARK | 5601 COUNTY ROAD 1450 LUBBOCK, TX 79407 | AFLAC | $48 | — | $48 | 0.04% |
| CECIL RAY PARKER3 | 1102 FM 378 LORENZO, TX 79343 | AFLAC | $43 | — | $43 | 0.03% |
| JIM F BOULDIN3 | 2113 52ND STREET LUBBOCK, TX 79412 | AFLAC | $36 | — | $36 | 0.03% |
| MICHAEL GRASS3 | 31026 PECAN CREEK DRIVE BROOKSHIRE, TX 77423 | AFLAC | $29 | — | $29 | 0.02% |
| ADRIANA MICHELLE MORALES3 | 1412 79TH STREET LUBBOCK, TX 79423 | AFLAC | $23 | — | $23 | 0.02% |
| JAMES L THOMAS JR3 | 4017 69TH STREET LUBBOCK, TX 79413 | AFLAC | $23 | — | $23 | 0.02% |
| MARTHA SUE CARDENAS3 | 13315 DURANGO DRIVE AMARILLO, TX 79111 | AFLAC | $23 | — | $23 | 0.02% |
| HERITAGE-RM LLC3 Filed as: HERITAGE-RM, LLC | PO BOX 64790 LUBBOCK, TX 79464 | AFLAC | $20 | — | $20 | 0.02% |
| DONNA CDEBACA STEWART3 | 3501 FRENCH PARK DRIVE STE E EDMOND, OK 73034 | AFLAC | $16 | — | $16 | 0.01% |
| BILLY JOE GILSON3 | PO BOX 152 ROPESVILLE, TX 79358 | AFLAC | $15 | — | $15 | 0.01% |
| FRANKLIN R DAVIES3 | 201 ROYAL ABERDEEN WAY MCKINNEY, TX 75072 | AFLAC | $14 | — | $14 | 0.01% |
| SHEREE L. AMOS3 Filed as: SHEREE L AMOS | 4521 HILLSIDE LANE EDMOND, OK 73025 | AFLAC | $9 | — | $9 | 0.01% |
| JAMES D CONNER3 | 3305 66TH STREET STE 4 LUBBOCK, TX 79413 | AFLAC | $8 | — | $8 | 0.01% |
| MICHAEL W JOINER3 | 6308 IOLA AVENUE UNIT 102 LUBBOCK, TX 79424 | AFLAC | $8 | — | $8 | 0.01% |
| DANNY G CASIAS3 | 3307 82ND STREET UNIT A LUBBOCK, TX 79423 | AFLAC | $7 | — | $7 | 0.01% |
| BILLY JOE GILSON3 | PO BOX 152 ROPESVILLE, TX 79358 | AFLAC | $6 | — | $6 | 0.00% |
| DARIN GREENE3 | 2111 MAIN STREET PETERSBURG, TX 79250 | AFLAC | $6 | — | $6 | 0.00% |
| DAVID HANCOCK INC3 | PO BOX 423 LAVON, TX 75166 | AFLAC | $6 | — | $6 | 0.00% |
| LAQUITA KAY CARTHEL3 | 4002 92ND STREET LUBBOCK, TX 79423 | AFLAC | $3 | — | $3 | 0.00% |
| RICK POLSER3 | 1210 COUNTY ROAD 4930 LEONARD, TX 75452 | AFLAC | $1 | — | $1 | 0.00% |
| STEVE WHITTEN3 | 7606 UNIVERSITY AVENUE STE F LUBBOCK, TX 79423 | AFLAC | $1 | — | $1 | 0.00% |
| HERITAGE-RM LLC3 Filed as: HERITAGE-RM, LLC | PO BOX 64790 LUBBOCK, TX 79464 | HARTFORD LIFE AND ACCIDENT | $7K | — | $7K | 5.79% |
| PAUL J SCIOLI3 | 4902 LAKERIDGE DRIVE LUBBOCK, TX 79424 | HARTFORD LIFE AND ACCIDENT | $4K | — | $4K | 3.03% |
| HERITAGE-RM LLC3 Filed as: HERITAGE-RM, LLC | PO BOX 64790 LUBBOCK, TX 79464 | HARTFORD LIFE AND ACCIDENT | $2K | — | $2K | 1.86% |
| HERITAGE-RM LLC3 Filed as: HERITAGE-RM, LLC | 6303 INDIANA AVENUE LUBBOCK, TX 79413 | STANDARD INSURANCE COMPANY | $2K | — | $2K | 4.83% |
| PAUL J SCIOLI3 | 4902 LAKERIDGE DRIVE LUBBOCK, TX 79424 | STANDARD INSURANCE COMPANY | $573 | — | $573 | 1.25% |
| IMS MARKETING, INC.5 | 731 N TAYLOR ST AMARILLO, TX 79107 | UNITED HEALTHCARE INSURANCE COMPANY | $4K | — | $4K | 10.00% |
| HERITAGE-RM LLC3 Filed as: HERITAGE-RM, LLC | 5241 98TH STREET LUBBOCK, TX 79424 | UNITED HEALTHCARE INSURANCE COMPANY | $2K | — | $2K | 5.88% |
| IRASEMA VELASQUEZ3 | 2411 34TH STREET LUBBOCK, TX 79411 | UNITED HEALTHCARE INSURANCE COMPANY | $875 | — | $875 | 3.32% |
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 | 327 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 1 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 328 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITED HEALTHCARE INSURANCE COMPANY | 182 | $26K |
| Life insurance(2 contracts, 2 carriers) | HARTFORD LIFE AND ACCIDENT | 781 | $162K |
| Short-term disability(2 contracts, 2 carriers) | AFLAC | 781 | $244K |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 781 | $116K |
| Other(3 contracts, 3 carriers) | AFLAC | 781 | $284K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 781 | — |
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.