| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY, LLC | 8144 WALNUT HILL LANE DALLAS, TX 75231 | LIBERTY LIFE INSURANCE COMPANY OF BOSTON | $47K | $7K | $54K | 9.43% |
| LOCKTON COMPANIES, LLC3 | 725 SOUTH FIGUEROA STREET 35TH FLOOR LOS ANGELES, CA 90017 | LIBERTY LIFE INSURANCE COMPANY OF BOSTON | $38K | $0 | $38K | 6.65% |
| LOCKTON COMPANIES, LLC3 | DEPT LA 23940 PASADENA, CA 91185 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $14K | $0 | $14K | 6.10% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY, LLC | 8144 WALNUT HILL LANE DALLAS, TX 75231 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $9K | $0 | $9K | 3.90% |
| TOTAL BENEFIT SOLUTIONS3 | 7412 UNIVERSITY AVENUE, SUITE 1 LUBBOCK, TX 79423 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $14K | $0 | $14K | 10.07% |
| DAVIS ALLEN AGENCY INC3 | 7412 UNIVERSITY AVENUE, UNIT 1 LUBBOCK, TX 79412 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $0 | $832 | $832 | 0.60% |
| LOCKTON COMPANIES, LLC3 | 4275 EXECUTIVE SQUARE, SUITE 600 LA JOLLA, CA 92037 | RELIASTAR LIFE INSURANCE COMPANY | $29K | $0 | $29K | 30.91% |
| TOTAL BENEFIT SOLUTIONS3 | 8008 SLIDE ROAD, SUITE 14 LUBBOCK, TX 79424 | RELIASTAR LIFE INSURANCE COMPANY | $5K | $0 | $5K | 5.00% |
| BILL HARTSFIELD & ASSOCIATES3 Filed as: BILL HARTSFIELD & ASSOCIATES, INC. | 4902 LAKERIDGE DRIVE LUBBOCK, TX 79424 | RELIASTAR LIFE INSURANCE COMPANY | $1K | $0 | $1K | 1.33% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY, LLC | 8144 WALNUT HILL LANE DALLAS, TX 75231 | RELIASTAR LIFE INSURANCE COMPANY | $818 | $0 | $818 | 0.86% |
| TOTAL BENEFIT SOLUTIONS3 | 7412 UNIVERSITY AVENUE, SUITE 1 LUBBOCK, TX 79423 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $8K | $0 | $8K | 15.47% |
| DAVIS ALLEN AGENCY INC3 | 7412 UNIVERSITY AVENUE, UNIT 1 LUBBOCK, TX 79412 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $0 | $499 | $499 | 0.92% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY, LLC | 4902 LAKERIDGE DRIVE LUBBOCK, TX 79424 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $5K | $227 | $5K | 15.75% |
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 | 1,329 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 8 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,337 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | TELADOC | 1,165 | $10K |
| Life insurance(2 contracts, 2 carriers) | LIBERTY LIFE INSURANCE COMPANY OF BOSTON | 1,329 | $603K |
| Short-term disability | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | 251 | $54K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 1,330 | $231K |
| Prescription drug | TELADOC | 1,165 | $10K |
| Other(4 contracts, 3 carriers) | LIBERTY LIFE INSURANCE COMPANY OF BOSTON | 1,329 | $836K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,330 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
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.