| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| UPSHAW INSURANCE AGENCY INC.3 Filed as: UPSHAW INSURANCE AGENCY INC | PO BOX 1299 AMARILLO, TX 791051299 | AMERITAS LIFE INSURANCE CORP | $57K | $5K | $62K | 10.95% |
| UPSHAW INSURANCE AGENCY INC.3 Filed as: UPSHAW INSURANCE AGENCY INC | PO BOX 1299 AMARILLO, TX 79105 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $43K | $7K | $51K | 25.67% |
| UPSHAW INSURANCE AGENCY INC.3 Filed as: UPSHAW INSURANCE AGENCY INC | PO BOX 1299 AMARILLO, TX 79105 | UNITED HEALTHCARE INSURANCE COMPANY | $3K | — | $3K | 2.14% |
| UPSHAW INSURANCE AGENCY INC.3 Filed as: UPSHAW INSURANCE AGENCY INC | PO BOX 1149 AMARILLO, TX 79102 | TOKIO MARINE HCC | $11K | — | $11K | 10.00% |
| UPSHAW INSURANCE AGENCY INC.3 Filed as: UPSHAW INSURANCE AGENCY INC | PO BOX 1299 AMARILLO, TX 79105 | UNITED HEALTHCARE INSURANCE COMPANY | $2K | — | $2K | 2.19% |
| UPSHAW INSURANCE AGENCY INC.3 Filed as: UPSHAW INSURANCE AGENCY INC | PO BOX 1299 AMARILLO, TX 79105 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $19K | $3K | $22K | 25.02% |
| UPSHAW INSURANCE AGENCY INC.3 Filed as: UPSHAW INSURANCE AGENCY INC | PO BOX 1299 AMARILLO, TX 79105 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $16K | $2K | $18K | 25.09% |
| UPSHAW INSURANCE AGENCY INC.3 Filed as: UPSHAW INSURANCE AGENCY INC | PO BOX 1299 AMARILLO, TX 79105 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $16K | $2K | $18K | 25.07% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| INSURANCE MANAGEMENT SERVICES EIN 75-2355889 TPA | Claims processing; Plan Administrator Service code 12 | 713 N TAYLOR AMARILLO, TX 79107 | $228K |
| UPSHAW INSURANCE AGENCY EIN 47-5239878 AGENT | Insurance agents and brokers Service code 22 | PO BOX 1149 AMARILLO, TX 79102 | $162K |
| AMERICAN HEALTH HOLDING, INC. EIN 31-1368946 TELEMEDICINE | Other services Service code 49 | PO BOX 360142 PITTSBURGH, PA 15250 | $5K |
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 | 684 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 39 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 723 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITED HEALTHCARE INSURANCE COMPANY | 48 | $154K |
| Dental | AMERITAS LIFE INSURANCE CORP | 1,278 | $568K |
| Vision | AMERITAS LIFE INSURANCE CORP | 1,278 | $568K |
| Life insurance(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 795 | $268K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 287 | $86K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 795 | $73K |
| Prescription drug | UNITED HEALTHCARE INSURANCE COMPANY | 48 | $100K |
| Stop-loss / reinsurancereinsurance | STEALTH PARTNER GROUP | 688 | $1.2M |
| Other(4 contracts, 2 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 795 | $465K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,278 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
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.