| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| INSURANCE PARTNERS OF TEXAS3 | 8008 SLIDE ROAD SUITE 14 LUBBOCK, TX 79424 | BLUECROSS BLUESHIELD OF TEXAS | $32K | $941 | $32K | 5.20% |
| INSURANCE PARTNERS OF TEXAS3 | 2230 INDUSTRIAL BLVD ABILENE, TX 796027857 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $4K | $232 | $4K | 27.67% |
| INSURANCE PARTNERS OF TEXAS3 | 2230 INDUSTRIAL BLVD ABILENE, TX 796027857 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | $171 | $2K | 21.57% |
| INSURANCE PARTNERS OF TEXAS3 | 8008 SLIDE ROAD SUITE 14 LUBBOCK, TX 79424 | SUPERIOR VISION OF TEXAS | $396 | — | $396 | 5.00% |
| INSURANCE PARTNERS OF TEXAS3 | 2230 INDUSTRIAL BLVD ABILENE, TX 796027857 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $105 | $105 | 1.63% |
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 | 122 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 122 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUECROSS BLUESHIELD OF TEXAS | 122 | $625K |
| Dental | BLUECROSS BLUESHIELD OF TEXAS | 122 | $625K |
| Vision | SUPERIOR VISION OF TEXAS | 103 | $8K |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 70 | $14K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 29 | $6K |
| Other | UNITED OF OMAHA LIFE INSURANCE COMPANY | 50 | $11K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 122 | — |
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."
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.