| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY, LLC | 4411 98TH STREET SUITE 200 LUBBOCK, TX 79424 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $22K | $2K | $24K | 10.06% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY, LLC | 4411 98TH STREET SUITE 200 LUBBOCK, TX 79424 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $21K | $1K | $22K | 15.53% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY, LLC | 4411 98TH STREET SUITE 200 LUBBOCK, TX 79424 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $5K | $414 | $5K | 10.40% |
| BILL HARTSFIELD & ASSOCIATES3 | — | SUPERIOR VISION OF TEXAS | $4K | — | $4K | 10.49% |
| SCIOLI, PAUL J3 | 4902 LAKERIDGE DRIVE LUBBOCK, TX 79424 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $66 | — | $66 | 4.03% |
| SCIOLI, PAUL J3 Filed as: SCIOLI, PAUL JOSEPH | 4902LAKERIDGE DR. LUBBOCK, TX 79424 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $4 | — | $4 | 1.84% |
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 | 442 | 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. |
| Beneficiaries receiving benefits | 0 | Spouses or dependents with eligibility independent of the participant. |
| Total participants (= "Plan participants" tile) | 442 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | SUPERIOR VISION OF TEXAS | 525 | $38K |
| Life insurance(3 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 442 | $191K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 441 | $238K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 441 | $238K |
| Other(4 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 442 | $192K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 525 | — |
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."
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.