| 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 | $23K | $0 | $23K | 10.00% |
| JULIE L. HULSEY, LP3 | PO BOX 32015 AMARILLO, TX 79102 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $17K | $0 | $17K | 9.21% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 6601 I-40 WEST, SUITE 1 AMARILLO, TX 79102 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $5K | $0 | $5K | 2.75% |
| BUTLER BENEFITS & CONSULTING3 Filed as: BUTLER BENEFITS AND CONSULTING INC. | PO BOX 373 BUSHLAND, TX 79012 | AFLAC | $11K | $3K | $14K | 7.80% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENFIT SERVICES, INC. | 6601 WEST INTERSTATE 40, SUITE 1 AMARILLO, TX 79106 | AFLAC | $14K | $18 | $14K | 7.60% |
| MJ INSURANCE3 Filed as: ERIC WESTALL AND VARIOUS AGENTS | 2626 SOUTH LOOP WEST, SUITE 340 HOUSTON, TX 77054 | AFLAC | $8K | $1K | $9K | 5.15% |
| STACY MASSI3 | 24306 SCHIVENER HOUSE LANE KATY, TX 77493 | AFLAC | $5K | $0 | $5K | 2.74% |
| KRISTEN VICKERS3 | 19526 CAIRNS DRIVE KATY, TX 77449 | AFLAC | $5K | $54 | $5K | 2.60% |
| STEPHEN MASSI3 | 24306 SCHIVENER HOUSE LANE KATY, TX 77493 | AFLAC | $4K | $0 | $4K | 2.41% |
| JEFF PETTIT3 | 4811 115TH STREET LUBBOCK, TX 79424 | AFLAC | $3K | $679 | $4K | 2.07% |
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 | 452 | 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) | 452 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 397 | $231K |
| Life insurance | UNUM LIFE INSURANCE COMPANY OF AMERICA | 597 | $186K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 597 | $186K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 597 | $186K |
| Other(2 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 597 | $369K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 597 | — |
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.