| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| UPSHAW INSURANCE AGENCY INC.3 Filed as: UPSHAW INSURANCE AGENCY | 801 S FILMORE STE 300 AMARILLO, TX 79101 | INTERNATIONAL SPECIALTY UNDERWRITERS INC | $34K | $18K | $52K | 19.70% |
| INSURANCE MANAGEMENT SERVICES5 | 731 N TAYLOR AMARILLO, TX 79107 | INTERNATIONAL SPECIALTY UNDERWRITERS INC | — | $14K | $14K | 5.29% |
| UPSHAW INSURANCE AGENCY INC.3 Filed as: UPSHAW INSURANCE AGENCY | PO BOX 1299 AMARILLO, TX 79105 | LIBERTY LIFE ASSURANCE COMPANY OF BOSTON | $2K | $473 | $3K | 11.67% |
| UPSHAW INSURANCE AGENCY INC.3 Filed as: UPSHAW INSURANCE AGENCY | PO BOX 1299 AMARILLO, TX 79105 | VISION SERVICE PLAN | $1K | — | $1K | 5.84% |
| STHEALTH BENEFIT SOLUTIONS LLC3 | — | NATIONAL UNION FIRE INSURANCE COMPANY | — | $541 | $541 | 5.00% |
| UPSHAW INSURANCE AGENCY INC.3 Filed as: UPSHAW INSURANCE AGENCY | PO BOX 1299 AMARILLO, TX 79105 | AMERICAN GENERAL LIFE INSURANCE COMPANY | $2K | — | $2K | 20.00% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| INSURANCE MANAGEMENT SERVICES EIN 75-2355889 TPA | Claims processing; Plan Administrator Service code 12 | 731 N TAYLOR AMARILLO, TX 79107 | $47K |
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 | 107 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 107 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | INTERNATIONAL SPECIALTY UNDERWRITERS INC | 107 | $261K |
| Vision | VISION SERVICE PLAN | 70 | $17K |
| Life insurance(2 contracts, 2 carriers) | LIBERTY LIFE ASSURANCE COMPANY OF BOSTON | 358 | $35K |
| Long-term disability(2 contracts, 2 carriers) | LIBERTY LIFE ASSURANCE COMPANY OF BOSTON | 358 | $35K |
| Prescription drug | INTERNATIONAL SPECIALTY UNDERWRITERS INC | 107 | $261K |
| Other | NATIONAL UNION FIRE INSURANCE COMPANY | 110 | $11K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 358 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.