| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| TOMMY MORRIS AGENCY, LLC3 | P.O. BOX 365 ABILENE, TX 79604 | BLUE CROSS BLUE SHIELD OF TEXAS | $45K | $4K | $50K | 2.37% |
| DON T. MORRIS3 | P.O. BOX 365 ABILENE, TX 79604 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $12K | — | $12K | 22.15% |
| TOMMY MORRIS AGENCY, LLC3 | P.O. BOX 365 ABILENE, TX 79604 | UNUM LIFE INSURANCE COMPANY OF AMERICA | — | $434 | $434 | 0.83% |
| DON T. MORRIS3 | P.O. BOX 365 ABILENE, TX 79604 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $11K | — | $11K | 22.00% |
| TOMMY MORRIS AGENCY, LLC3 | P.O. BOX 365 ABILENE, TX 79604 | UNUM LIFE INSURANCE COMPANY OF AMERICA | — | $419 | $419 | 0.83% |
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 | 313 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 313 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF TEXAS | 428 | $2.1M |
| Life insurance(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 313 | $103K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 313 | $51K |
| Prescription drug | BLUE CROSS BLUE SHIELD OF TEXAS | 428 | $2.1M |
| Stop-loss / reinsurancereinsurance | BLUE CROSS BLUE SHIELD OF TEXAS | 428 | $2.1M |
| Other(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 313 | $103K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 428 | — |
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."
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.