| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| TOMMY MORRIS AGENCY, LLC3 Filed as: TOMMY MORRIS AGENCY LLC | PO BOX 365 ABILENE, TX 79604 | METROPOLITAN LIFE INSURANCE COMPANY | $88K | — | $88K | 9.83% |
| DON T. MORRIS3 | PO BOX 365 ABILENE, TX 79604 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $77K | — | $77K | 15.00% |
| DON T. MORRIS3 | PO BOX 365 ABILENE, TX 79604 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $66K | — | $66K | 12.95% |
| DON T. MORRIS3 | PO BOX 365 ABILENE, TX 79604 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $37K | — | $37K | 15.00% |
| TOMMY MORRIS AGENCY, LLC3 Filed as: TOMMY MORRIS AGENCY LLC | PO BOX 365 ABILENE, TX 79604 | UNUM INSURANCE COMPANY | $23K | — | $23K | 18.49% |
| TOMMY MORRIS AGENCY, LLC3 Filed as: TOMMY MORRIS AGENCY LLC | PO BOX 365 ABILENE, TX 79604 | UNUM INSURANCE COMPANY | $11K | — | $11K | 18.45% |
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 | 1,594 | 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) | 1,594 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 2,041 | $890K |
| Vision | METROPOLITAN LIFE INSURANCE COMPANY | 2,041 | $890K |
| Life insurance(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 1,551 | $1.0M |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 403 | $250K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 1,551 | $508K |
| Other(5 contracts, 3 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 1,594 | $1.2M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,041 | — |
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.
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.