| 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 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $73K | — | $73K | 20.00% |
| SCIOLI, PAUL J3 Filed as: SCIOLI PAUL JOSEPH | 4902 LAKERIDGE DR LUBBOCK, TX 79424 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $3K | — | $3K | 7.40% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY, LLC | 4411 98TH STREET SUITE 200 LUBBOCK, TX 79424 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $2K | $204 | $2K | 4.62% |
| NATIONAL BENEFIT PARTNERS3 | 23282 MILL CREEK DRIVE SUITE 390 LAGUNA HILLS, CA 92653 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $120 | — | $120 | 0.25% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY, LLC | 4411 98TH STREET SUITE 200 LUBBOCK, TX 79424 | SUPERIOR VISION OF TEXAS | $4K | — | $4K | 10.00% |
| SCIOLI, PAUL J3 Filed as: SCIOLI, PAUL, JOSEPH | 4902 LAKERIDGE DRIVE LUBBOCK, TX 79424 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $46 | — | $46 | 4.01% |
| SCIOLI, PAUL J3 Filed as: SCIOLI, PAUL, JOSEPH | 4902 LAKERIDGE DRIVE LUBBOCK, TX 79424 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $3 | — | $3 | 1.89% |
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 | 425 | 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) | 425 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | SUPERIOR VISION OF TEXAS | 247 | $39K |
| Life insurance(2 contracts, 2 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 425 | $365K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 425 | $364K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 425 | $364K |
| Other(4 contracts, 4 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 425 | $413K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 425 | — |
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.