| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| TOMMY MORRIS AGENCY, LLC3 | P.O. BOX 365 ABILENE, TX 79604 | UNITED HEALTHCARE INSURANCE COMPANY | — | — | $0 | 0.00% |
| TOMMY MORRIS AGENCY, LLC3 | P.O. BOX 365 ABILENE, TX 79604 | AMERITAS LIFE INSURANCE CORP. | $20K | — | $20K | 10.00% |
| TOMMY MORRIS AGENCY, LLC3 | P.O. BOX 365 ABILENE, TX 79604 | DEARBORN LIFE INSURANCE COMPANY | $21K | — | $21K | 14.56% |
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 | 477 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 477 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITED HEALTHCARE INSURANCE COMPANY | 686 | $1.2M |
| Dental | AMERITAS LIFE INSURANCE CORP. | 598 | $204K |
| Vision | AMERITAS LIFE INSURANCE CORP. | 598 | $204K |
| Life insurance | DEARBORN LIFE INSURANCE COMPANY | 445 | $141K |
| Long-term disability | DEARBORN LIFE INSURANCE COMPANY | 445 | $141K |
| Prescription drug | UNITED HEALTHCARE INSURANCE COMPANY | 686 | $1.2M |
| Stop-loss / reinsurancereinsurance | UNITED HEALTHCARE INSURANCE COMPANY | 686 | $1.2M |
| Other(2 contracts, 2 carriers) | UNITED HEALTHCARE INSURANCE COMPANY | 686 | $1.3M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 686 | — |
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.