| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| STHEALTH BENEFIT SOLUTIONS LLC3 | 18940 N. PIMA ROAD SCOTTSDALE, AZ 85255 | UNIMERICA INSURANCE COMPANY | $28K | $69K | $97K | 17.13% |
| STHEALTH BENEFIT SOLUTIONS LLC3 | 18940 N. PIMA ROAD SCOTTSDALE, AZ 85255 | UNIMERICA INSURANCE COMPANY | $40K | — | $40K | 7.00% |
| UPSHAW INSURANCE AGENCY INC.3 Filed as: UPSHAW INSURANCE AGENCY INC | P.O. BOX 1299 AMARILLO, TX 79105 | AMERITAS LIFE INSURANCE CORP. | $33K | $2K | $35K | 10.70% |
| UPSHAW INSURANCE AGENCY INC.3 Filed as: UPSHAW INSURANCE AGENCY INC | P.O. BOX 1299 AMARILLO, TX 79105 | LINCOLN LIFE ASSURANCE COMPANY OF BOSTON | $16K | $4K | $20K | 14.22% |
| UPSHAW INSURANCE AGENCY INC.3 Filed as: UPSHAW INSURANCE AGENCY INC | P.O. BOX 1299 AMARILLO, TX 79105 | LINCOLN LIFE ASSURANCE COMPANY OF BOSTON | $14K | $3K | $18K | 15.54% |
| STHEALTH BENEFIT SOLUTIONS LLC3 Filed as: STHEALTH BENEFIT SOLUTIONS, LLC | 5949 SHERRY LANE DALLAS, TX 75225 | HCC LIFE INSURANCE COMPANY | $2K | — | $2K | 5.01% |
| UPSHAW INSURANCE AGENCY INC.3 Filed as: UPSHAW INSURANCE AGENCY INC | P.O. BOX 1299 AMARILLO, TX 79105 | LINCOLN LIFE ASSURANCE COMPANY OF BOSTON | — | $325 | $325 | 2.52% |
| UPSHAW INSURANCE AGENCY INC.3 Filed as: UPSHAW INSURANCE AGENCY INC | P.O. BOX 1299 AMARILLO, TX 79105 | LINCOLN LIFE ASSURANCE COMPANY OF BOSTON | $1K | $299 | $2K | 14.15% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| CAPROCK HEALTHPLANS EIN 26-1569907 THIRD PARTY ADMINISTRATOR | Claims processing; Recordkeeping and information management (computing, tabulating, data processing, etc.) Service code 12 | 4401 82ND, SUITE 1200 LUBBOCK, TX 79424 | $97K |
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 | 361 | 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) | 361 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNIMERICA INSURANCE COMPANY | 354 | $567K |
| Dental | AMERITAS LIFE INSURANCE CORP. | 776 | $328K |
| Vision | AMERITAS LIFE INSURANCE CORP. | 776 | $328K |
| Life insurance | LINCOLN LIFE ASSURANCE COMPANY OF BOSTON | 412 | $141K |
| Short-term disability | LINCOLN LIFE ASSURANCE COMPANY OF BOSTON | 395 | $115K |
| Long-term disability | LINCOLN LIFE ASSURANCE COMPANY OF BOSTON | 21 | $11K |
| Other(2 contracts, 2 carriers) | HCC LIFE INSURANCE COMPANY | 478 | $63K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 776 | — |
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.