| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| TOTAL BENEFIT SOLUTIONS3 | 7412 UNIVERSITY AVE UNIT 1 LUBBOCK, TX 79423 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $183K | — | $183K | 9.98% |
| DAVIS ALLEN AGENCY INC3 | 7412 UNIVERSITY AVE UNIT 1 LUBBOCK, TX 79423 | UNUM LIFE INSURANCE COMPANY OF AMERICA | — | $15K | $15K | 0.83% |
| FRED MAXWELL - ACIUS GROUP3 Filed as: FRED THOMAS MAXWELL II | 2591 DALLAS PKWY, STE 203 FRISCO, TX 75034 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $21K | $10K | $30K | 3.12% |
| TOTAL BENEFIT SOLUTIONS3 | 7412 UNIVERSITY AVE UNIT 1 LUBBOCK, TX 79423 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $20K | — | $20K | 3.09% |
| MARSH & MCLENNAN AGENCY LLC3 | 4902 LAKERIDGE DR LUBBOCK, TX 79424 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $4K | $514 | $4K | 0.64% |
| DAVIS ALLEN AGENCY INC3 | 7412 UNIVERSITY AVE UNIT 1 LUBBOCK, TX 79423 | UNUM LIFE INSURANCE COMPANY OF AMERICA | — | $3K | $3K | 0.51% |
| TOTAL BENEFIT SOLUTIONS3 | 7412 UNIVERSITY AVE UNIT 1 LUBBOCK, TX 79423 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $67K | — | $67K | 12.49% |
| MARSH & MCLENNAN AGENCY LLC3 | 4902 LAKERIDGE DR LUBBOCK, TX 79424 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $14K | $677 | $14K | 2.64% |
| DAVIS ALLEN AGENCY INC3 | 7412 UNIVERSITY AVE UNIT 1 LUBBOCK, TX 79423 | UNUM LIFE INSURANCE COMPANY OF AMERICA | — | $6K | $6K | 1.04% |
| DAVIS ALLEN AGENCY INC3 | 7412 UNIVERSITY AVE UNIT 1 LUBBOCK, TX 79423 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $32K | $3K | $35K | 8.13% |
| HARTSFIELD, BILLY PAUL3 Filed as: HARTSFIELD, BILLY P | 4411 98TH STREET LUBBOCK, TX 79424 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $32K | $2K | $34K | 7.87% |
| FRED MAXWELL - ACIUS GROUP3 Filed as: FRED THOMAS MAXWELL II | 2591 DALLAS PKWY, STE. 203 FRISCO, TX 75034 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $4K | $4K | 2.07% |
| FRED MAXWELL - ACIUS GROUP3 Filed as: FRED THOMAS MAXWELL II | 2591 DALLAS PKWY, STE. 203 FRISCO, TX 75034 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $5K | $3K | $8K | 8.58% |
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 | 5,651 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 26 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 5,677 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | VISION SERVICE PLAN | 3,673 | $246K |
| Life insurance | UNUM LIFE INSURANCE COMPANY OF AMERICA | 5,394 | $663K |
| Short-term disability(2 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 3,042 | $2.0M |
| Long-term disability(3 contracts, 2 carriers) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 4,403 | $1.9M |
| Other(3 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 5,394 | $1.3M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 5,394 | — |
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.
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.