| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| TOTAL BENEFIT SOLUTIONS3 | 7412 UNIVERSITY AVENUE UNIT1 LUBBOCK, TX 79423 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $60K | — | $60K | 14.21% |
| TOTAL BENEFIT SOLUTIONS3 | 8008 SLIDE RD STE 14 LUBBOCK, TX 79424 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $15K | — | $15K | 3.63% |
| DAVIS ALLEN AGENCY INC3 | 7412 UNIVERSITY AVE UNIT 1 LUBBOCK, TX 79423 | UNUM LIFE INSURANCE COMPANY OF AMERICA | — | $5K | $5K | 1.18% |
| TOTAL BENEFIT SOLUTIONS3 | 7412 UNIVERSITY AVENUE UNIT 1 LUBBOCK, TX 79423 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $31K | — | $31K | 11.66% |
| TOTAL BENEFIT SOLUTIONS3 | 8008 SLIDE RD STE 14 LUBBOCK, TX 79424 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $9K | — | $9K | 3.24% |
| DAVIS ALLEN AGENCY INC3 | 7412 UNIVERSITY AVE UNIT 1 LUBBOCK, TX 79423 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | — | $4K | $4K | 1.36% |
| BILL HARTSFIELD & ASSOCIATES3 Filed as: BILL HARTSFIELD & ASSOCIATES INC | 4902 LAKERIDGE DRIVE LUBBOCK, TX 79424 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $19K | $958 | $20K | 15.52% |
| TOTAL BENEFIT SOLUTIONS3 | 8008 SLIDE ROAD 14 LUBBOCK, TX 794242828 | RELIASTAR LIFE INSURANCE COMPANY | $31K | — | $31K | 33.00% |
| BILL HARTSFIELD & ASSOC INC3 Filed as: BILL HARTSFIELD & ASSOC | 4902 LAKERIDGE DR LUBBOCK, TX 794244006 | RELIASTAR LIFE INSURANCE COMPANY | $21K | — | $21K | 22.00% |
| COMMON CENSUS, INC.3 Filed as: COMMON SENSE INC | 90 BRIDGE ST WESTBROOK, ME 04092 | RELIASTAR LIFE INSURANCE COMPANY | — | $4K | $4K | 3.90% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| VISION SERVICE PLAN EIN 06-1227840 ADMINISTRATOR | Other services Service code 49 | 5700 GRANITE PARKWAY 350 PLANO, TX 75024 | $29K |
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 | 1,366 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 0 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance(3 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 1,366 | $815K |
| Other(4 contracts, 3 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 1,366 | $910K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,366 | — |
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.