| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HERITAGE-RM LLC3 | 5241 98TH STREET LUBBOCK, TX 79424 | UNITEDHEALTHCARE INSURANCE COMPANY | $34K | $566 | $35K | 3.14% |
| DALLAS INSURANCE EXCHANGE II INC3 | 15660 DALLAS PARKWAY, SUITE 500 DALLAS, TX 75248 | UNITEDHEALTHCARE INSURANCE COMPANY | $23K | $0 | $23K | 2.05% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 555 SOUTH PERRYVILLE ROAD ROCKFORD, IL 61108 | UNITEDHEALTHCARE INSURANCE COMPANY | $19K | $0 | $19K | 1.75% |
| UPSHAW INSURANCE AGENCY INC.3 Filed as: UPSHAW INSURANCE AGENCY INC | PO BOX 1299 AMARILLO, TX 79105 | UNITEDHEALTHCARE INSURANCE COMPANY | $6 | $0 | $6 | 0.00% |
| NEELY CRAIG & WALTON LLP3 Filed as: NEELY, CRAIG & WALTON LLP | PO BOX 506 AMARILLO, TX 79105 | METROPOLITAN LIFE INSURANCE COMPANY | $25K | $0 | $25K | 7.88% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 600 SOUTH TYLER STREET, SUITE 2201 AMARILLO, TX 79101 | METROPOLITAN LIFE INSURANCE COMPANY | $10K | $189 | $10K | 3.17% |
| GALLAGHER BENEFIT SERVICES, INC.3 | PO BOX 3009 ARLINGTON HEIGHTS, IL 60006 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $749 | $749 | 0.23% |
| GALLAGHER BENEFIT SERVICES, INC.3 | PO BOX 95287 CHICAGO, IL 60694 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $3 | $3 | 0.00% |
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 | 222 | 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) | 222 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 290 | $1.1M |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 363 | $321K |
| Vision | METROPOLITAN LIFE INSURANCE COMPANY | 363 | $321K |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 363 | $321K |
| Short-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 363 | $321K |
| Long-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 363 | $321K |
| Prescription drug | UNITEDHEALTHCARE INSURANCE COMPANY | 290 | $1.1M |
| Other | METROPOLITAN LIFE INSURANCE COMPANY | 363 | $321K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 363 | — |
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."
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.