| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| JULIE L. HULSEY, LP3 | 6601 I-40 WEST, SUITE 1 AMARILLO, TX 79102 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $25K | $0 | $25K | 10.00% |
| JULIE L. HULSEY, LP3 | PO BOX 32015 AMARILLO, TX 79120 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $23K | $0 | $23K | 10.46% |
| BUTLER BENEFITS & CONSULTING3 Filed as: BUTLER BENEFITS AND CONSULTING INC. | PO BOX 373 BUSHLAND, TX 79012 | AFLAC | $21K | $0 | $21K | 19.14% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 6601 WEST INTERSTATE 40, SUITE 1 AMARILLO, TX 79106 | AFLAC | $16K | $102 | $16K | 13.99% |
| JEFF PETTIT3 | 4811 115TH STREET LUBBOCK, TX 79424 | AFLAC | $6K | $0 | $6K | 5.18% |
| CECIL PARKER3 | 1102 FM 378 LORENZO, TX 79343 | AFLAC | $4K | $0 | $4K | 3.38% |
| MJ INSURANCE3 Filed as: MICHAEL BAKER AND VARIOUS AGENTS | 4 WINDY MEADOW LANE CANYON, TX 79015 | AFLAC | $4K | $0 | $4K | 3.22% |
| PETER B WILKINSON JR3 Filed as: PETER WILKINSON JR. | 6202 IOLA AVENUE, SUITE 115 LUBBOCK, TX 79424 | AFLAC | $3K | $0 | $3K | 2.67% |
| MELBA BOYDSTUN3 | 5205 THEDA DRIVE AMARILLO, TX 79109 | AFLAC | $2K | $0 | $2K | 1.39% |
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 | 460 | 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) | 460 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 371 | $246K |
| Life insurance | UNUM LIFE INSURANCE COMPANY OF AMERICA | 568 | $224K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 568 | $224K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 568 | $224K |
| Other(2 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 568 | $336K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 568 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.