| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| INSGROUP INC3 Filed as: DFB INSURANCE GROUP OF AMARILLO | PO BOX 2169 AMARILLO, TX 79105 | INTERNATIONAL SPECIALTY UNDERWRITERS | — | $22K | $22K | 5.80% |
| UPSHAW INSURANCE AGENCY INC.3 Filed as: UPSHAW INSURANCE AGENCY | PO BOX 1299 AMARILLO, TX 79105 | INTERNATIONAL SPECIALTY UNDERWRITERS | — | $22K | $22K | 5.80% |
| INSURANCE MANAGEMENT SERVICES5 | 731 N TAYLOR AMARILLO, TX 79107 | INTERNATIONAL SPECIALTY UNDERWRITERS | — | $21K | $21K | 5.72% |
| UPSHAW INSURANCE AGENCY INC.3 Filed as: UPSHAW INSURANCE AGENCY | PO BOX 1299 AMARILLO, TX 79105 | US FIRE INSURANCE COMPANY | $2K | — | $2K | 9.94% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| INSURANCE MANAGEMENT SERVICES EIN 75-2355889 TPA | Recordkeeping and information management (computing, tabulating, data processing, etc.); Claims processing Service code 12 | 731 N. TAYLOR AMARILLO, TX 79107 | $89K |
| DFB INSURANCE GROUP OF AMARILLO EIN 46-4918638 INSURANCE AGENT | Insurance agents and brokers Service code 22 | P.O. BOX 15167 AMARILLO, TX 79105 | $8K |
| UPSHAW INSURANCE AGENCY EIN 75-2352190 INSURANCE AGENT | Insurance agents and brokers Service code 22 | P.O. BOX 1299 AMARILLO, TX 79105 | $8K |
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 | 213 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 213 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | INTERNATIONAL SPECIALTY UNDERWRITERS | 213 | $372K |
| Prescription drug | INTERNATIONAL SPECIALTY UNDERWRITERS | 213 | $372K |
| Other | US FIRE INSURANCE COMPANY | 213 | $21K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 213 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.