| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ORLANDO MERCADO3 | 326 VILLA CANTO EL PASO, TX 79912 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $6K | — | $6K | 12.38% |
| UPSHAW INSURANCE AGENCY INC.3 | P.O. BOX 1299 AMARILLO, TX 79105 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $6K | — | $6K | 12.33% |
| WORKSITE MARKETING CONCEPTS INC3 Filed as: WORKSITE MARKETING CONCEPTS INC. | 5825 NICHOLAS CIRCLE AMARILLO, TX 79109 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $5K | — | $5K | 9.12% |
| UPSHAW INSURANCE AGENCY INC.3 | P.O. BOX 1299 AMARILLO, TX 79105 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $6K | $703 | $7K | 22.33% |
| UPSHAW INSURANCE AGENCY INC.5 | P.O. BOX 1299 AMARILLO, TX 79105 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $1K | $1K | 4.12% |
| UPSHAW INSURANCE AGENCY INC.3 | P.O. BOX 1299 AMARILLO, TX 79105 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $4K | $459 | $5K | 22.25% |
| UPSHAW INSURANCE AGENCY INC.5 | P.O. BOX 1299 AMARILLO, TX 79105 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $1K | $1K | 6.09% |
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 | 188 | 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) | 188 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 188 | $51K |
| Other(3 contracts, 2 carriers) | AMERICAN HERITAGE LIFE INSURANCE COMPANY | 188 | $101K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 188 | — |
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.
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.