| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| INSURANCE PARTNERS OF TEXAS3 | 2230 INDUSTIRAL BLVD ABILENE, TX 79602 | UNITED HEALTHCARE INSURANCE COMPANY | $16K | $67K | $84K | 3.55% |
| INSURANCE PARTNERS OF TEXAS3 | 2230 INDUSTRIAL BLVD ABILENE, TX 79602 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $8K | $2K | $10K | 19.67% |
| TOTAL BENEFIT SOLUTIONS3 | 7412 UNIVERSITY AVENUE UNIT 1 LUBBOCK, TX 79423 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $19K | $10K | $29K | 59.43% |
| INSURANCE PARTNERS OF TEXAS3 | 2230 INDUSTRIAL BLVD ABILENE, TX 79602 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $7K | $3K | $10K | 20.61% |
| TOTAL BENEFIT SOLUTIONS3 | 7412 UNIVERSITY AVENUE UNIT 1 LUBBOCK, TX 79423 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $17K | $9K | $27K | 64.54% |
| INSURANCE PARTNERS OF TEXAS3 | 8008 SLIDE ROAD SUITE 14 OKLAHOMA CITY, OK 73142 | NATIONAL GUARDIAN LIFE INSURANCE COMPANY | $4K | — | $4K | 10.02% |
| INSURANCE PARTNERS OF TEXAS3 | 2230 INDUSTRIAL BLVD ABILENE, TX 79602 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $5K | $3K | $8K | 22.26% |
| INSURANCE PARTNERS OF TEXAS3 | 2230 INDUSTRIAL BLVD ABILENE, TX 79602 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $1K | $347 | $2K | 19.29% |
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 | 401 | 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 |
|---|---|---|---|
| Health (medical) | UNITED HEALTHCARE INSURANCE COMPANY | 723 | $2.4M |
| Dental | UNITED HEALTHCARE INSURANCE COMPANY | 723 | $2.4M |
| Vision | NATIONAL GUARDIAN LIFE INSURANCE COMPANY | 605 | $38K |
| Life insurance(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 401 | $55K |
| Short-term disability(3 contracts, 2 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 222 | $141K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 134 | $35K |
| Other | UNITED OF OMAHA LIFE INSURANCE COMPANY | 401 | $8K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 723 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.