| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| UPSHAW INSURANCE AGENCY INC.3 Filed as: UPSHAW INSURANCE AGENCY INC | P.O. BOX 1299 AMARILLO, TX 79105 | AMERITAS LIFE INSURANCE CORP. | $4K | $824 | $5K | 8.27% |
| FAIRLY CONSULTING GROUP LLC3 | 1800 S. WASHINGTON AMARILLO, TX 79102 | AMERITAS LIFE INSURANCE CORP. | $1K | — | $1K | 2.31% |
| UPSHAW INSURANCE AGENCY INC.3 Filed as: UPSHAW INSURANCE AGENCY INC | P.O. BOX 1299 AMARILLO, TX 791050299 | LIBERTY LIFE ASSURANCE COMPANY OF BOSTON | $6K | $1K | $7K | 13.41% |
| UPSHAW INSURANCE AGENCY INC.3 Filed as: UPSHAW INSURANCE AGENCY INC | P.O. BOX 1299 AMARILLO, TX 791050299 | LIBERTY LIFE ASSURANCE COMPANY OF BOSTON | $398 | $80 | $478 | 13.33% |
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 | 221 | 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) | 221 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | SHA, LLC | 221 | $334K |
| Dental | AMERITAS LIFE INSURANCE CORP. | 156 | $62K |
| Vision | AMERITAS LIFE INSURANCE CORP. | 156 | $62K |
| Life insurance | LIBERTY LIFE ASSURANCE COMPANY OF BOSTON | 120 | $50K |
| Long-term disability | LIBERTY LIFE ASSURANCE COMPANY OF BOSTON | 19 | $4K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 221 | — |
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.