| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| SANFORD AND TATUM3 Filed as: SANFORD & TATUM - RHONDA THOMACK | 5241 98TH ST LUBBOCK, TX 79424 | BAYLOR SCOTT & WHITE CARE PLAN | $52K | — | $52K | 5.19% |
| DAVIS ALLEN AGENCY INC3 | 7412 UNIVERSITY AVE LUBBOCK, TX 79423 | BAYLOR SCOTT & WHITE CARE PLAN | $20K | — | $20K | 2.02% |
| CROWN RISK MANAGEMENT, LLC3 Filed as: HERITAGE RISK MANAGEMENT | PO BOX 506 AMARILLO, TX 791050506 | PRINCIPAL LIFE INSURANCE COMPANY | $6K | $6K | $12K | 12.93% |
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT INSURANCE SERVICES INC | 18100 VON KARMA AVE STE 1000 IRVINE, CA 926127196 | PRINCIPAL LIFE INSURANCE COMPANY | $2K | — | $2K | 2.60% |
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT INSURANCE SERVICES, INC | 105 W EVERGREN BLVD STE 200 VANCOUVER, WA 986603368 | PRINCIPAL LIFE INSURANCE COMPANY | $1K | — | $1K | 1.51% |
| GCG FINANCIAL LLC3 Filed as: ALERA GROUP, INC DBA ARMS | 965 GREENTREE RD STE 110 PITTSBURGH, PA 152203353 | PRINCIPAL LIFE INSURANCE COMPANY | $0 | $1K | $1K | 1.31% |
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 | 117 | 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) | 117 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BAYLOR SCOTT & WHITE CARE PLAN | 196 | $1.0M |
| Dental | PRINCIPAL LIFE INSURANCE COMPANY | 182 | $91K |
| Vision | PRINCIPAL LIFE INSURANCE COMPANY | 182 | $91K |
| Life insurance | PRINCIPAL LIFE INSURANCE COMPANY | 182 | $91K |
| Other | PRINCIPAL LIFE INSURANCE COMPANY | 182 | $91K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 196 | — |
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.
Multiple-employer welfare arrangement. Specific regulatory and compliance context; specific consultant niche.