| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| INSURANCE PARTNERS OF TEXAS3 | 2230 INDUSTRIAL BLVD ABILENE, TX 79602 | UNITED HEALTHCARE INSURANCE COMPANY | $1K | $56K | $58K | 3.24% |
| INSURANCE PARTNERS OF TEXAS3 | 2230 INDUSTRIAL BLVD ABILENE, TX 796027857 | AMERITAS | $14K | $824 | $15K | 10.60% |
| INSURANCE PARTNERS OF TEXAS3 | 2230 INDUSTRIAL BLVD ABILENE, TX 79602 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $7K | $2K | $9K | 18.76% |
| TOTAL BENEFIT SOLUTIONS3 | 7412 UNIVERSITY AVENUE UNIT 1 LUBBOCK, TX 79423 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $14K | — | $14K | 32.30% |
| TOTAL BENEFIT SOLUTIONS3 | 7412 UNIVERSITY AVENUE UNIT 1 LUBBOCK, TX 79423 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $17K | — | $17K | 43.22% |
| INSURANCE PARTNERS OF TEXAS3 | 8008 SLIDE ROAD SUITE 14 OKLAHOMA CITY, OK 73142 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $6K | $2K | $7K | 19.62% |
| INSURANCE PARTNERS OF TEXAS3 | 2230 INDUSTRIAL BLVD ABILENE, TX 79602 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $5K | $1K | $6K | 18.78% |
| INSURANCE PARTNERS OF TEXAS3 | 2230 INDUSTRIAL BLVD ABILENE, TX 79602 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $933 | $280 | $1K | 19.51% |
| INSURANCE PARTNERS OF TEXAS3 | 2230 INDUSTRIAL BLVD ABILENE, TX 79602 | NATIONAL GUARDIAN LIFE INSURANCE COMPANY | $660 | — | $660 | 17.85% |
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 | 384 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 384 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITED HEALTHCARE INSURANCE COMPANY | 534 | $1.8M |
| Dental | AMERITAS | 497 | $137K |
| Vision(2 contracts, 2 carriers) | AMERITAS | 497 | $141K |
| Life insurance(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 384 | $54K |
| Short-term disability(3 contracts, 2 carriers) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 506 | $119K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 91 | $33K |
| Other | UNITED OF OMAHA LIFE INSURANCE COMPANY | 384 | $6K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 534 | — |
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.