| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| UPSHAW INSURANCE AGENCY INC.3 Filed as: UPSHAW INSURANCE AGENCY | 801 S. FILLMORE SUITE 300 AMARILLO, TX 79101 | COMPANION LIFE INSURANCE COMPANY | $12K | $52K | $64K | 34.99% |
| UPSHAW INSURANCE AGENCY INC.3 Filed as: UPSHAW INSURANCE AGENCY | P.O. BOX 1299 AMARILLO, TX 79105 | LINCOLN LIFE ASSURANCE COMPANY OF BOSTON | $24K | — | $24K | 15.00% |
| UPSHAW INSURANCE AGENCY INC.3 Filed as: UPSHAW INSURANCE AGENCY INC | 801 S. FILLMORE SUITE 300 AMARILLO, TX 79101 | INTERNATIONAL SPECIALTY UNDERWRITERS INC | — | $16K | $16K | 11.90% |
| UPSHAW INSURANCE AGENCY INC.3 Filed as: UPSHAW INSURANCE AGENCY | P.O. BOX 1299 AMARILLO, TX 79105 | LINCOLN LIFE ASSURANCE COMPANY OF BOSTON | $19K | — | $19K | 15.00% |
| UPSHAW INSURANCE AGENCY INC.3 Filed as: UPSHAW INSURANCE AGENCY INC | P.O. BOX 1299 AMARILLO, TX 79105 | AMERITAS LIFE INSURANCE CORP. | $8K | $124 | $8K | 10.16% |
| UPSHAW INSURANCE AGENCY INC.3 Filed as: UPSHAW INSURANCE AGENCY | 801 S. FILLMORE SUITE 300 AMARILLO, TX 79101 | COMPANION LIFE INSURANCE COMPANY | $4K | — | $4K | 6.35% |
| STEALTH PARTNER GROUP LLC3 | 5949 SHERRY LANE SUITE 1170 DALLAS, TX 75225 | HCC LIFE INSURANCE COMPANY | $3K | — | $3K | 5.25% |
| UPSHAW INSURANCE AGENCY INC.3 Filed as: UPSHAW INSURANCE AGENCY | P.O. BOX 1299 AMARILLO, TX 79105 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $6K | — | $6K | 15.00% |
| UPSHAW INSURANCE AGENCY INC.3 Filed as: UPSHAW INSURANCE AGENCY | 801 S. FILLMORE SUITE 300 AMARILLO, TX 79101 | COMPANION LIFE INSURANCE COMPANY | $3K | — | $3K | 6.35% |
| UPSHAW INSURANCE AGENCY INC.3 Filed as: UPSHAW INSURANCE AGENCY | P.O. BOX 1299 AMARILLO, TX 79105 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $5K | — | $5K | 15.00% |
| UPSHAW INSURANCE AGENCY INC.3 Filed as: UPSHAW INSURANCE AGENCY | P.O. BOX 1299 AMARILLO, TX 79105 | LINCOLN LIFE ASSURANCE COMPANY OF BOSTON | $2K | — | $2K | 15.00% |
| UPSHAW INSURANCE AGENCY INC.3 Filed as: UPSHAW INSURANCE AGENCY | 801 S. FILLMORE SUITE 300 AMARILLO, TX 79101 | COMPANION LIFE INSURANCE COMPANY | $572 | — | $572 | 6.35% |
| UPSHAW INSURANCE AGENCY INC.3 Filed as: UPSHAW INSURANCE AGENCY | 801 S. FILLMORE SUITE 300 AMARILLO, TX 79101 | COMPANION LIFE INSURANCE COMPANY | $279 | — | $279 | 6.35% |
| UPSHAW INSURANCE AGENCY INC.3 Filed as: UPSHAW INSURANCE AGENCY | P.O. BOX 1299 AMARILLO, TX 79105 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $543 | — | $543 | 15.00% |
| UPSHAW INSURANCE AGENCY INC.3 Filed as: UPSHAW INSURANCE AGENCY INC | P.O. BOX 1299 AMARILLO, TX 79105 | AMERITAS LIFE INSURANCE CORP. | $293 | — | $293 | 9.99% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| 90 DEGREE BENEFITS EIN 26-1569907 THIRD PARTY ADMINISTRATOR | Claims processing; Plan Administrator Service code 12 | 4401 82ND, SUITE 1200 LUBBOCK, TX 79424 | $88K |
| INSURANCE MANAGEMENT SERVICES EIN 75-2355889 THIRD PARTY ADMINISTRATOR | Plan Administrator; Claims processing Service code 12 | 731 N. TAYLOR ST. AMARILLO, TX 79107 | $26K |
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 | 347 | 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) | 347 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | INTERNATIONAL SPECIALTY UNDERWRITERS INC | 359 | $137K |
| Dental(2 contracts, 2 carriers) | COMPANION LIFE INSURANCE COMPANY | 319 | $186K |
| Vision | AMERITAS LIFE INSURANCE CORP. | 660 | $77K |
| Life insurance(4 contracts, 3 carriers) | LINCOLN LIFE ASSURANCE COMPANY OF BOSTON | 429 | $276K |
| Short-term disability(3 contracts, 3 carriers) | LINCOLN LIFE ASSURANCE COMPANY OF BOSTON | 398 | $207K |
| Long-term disability(3 contracts, 3 carriers) | LINCOLN LIFE ASSURANCE COMPANY OF BOSTON | 23 | $22K |
| Prescription drug | INTERNATIONAL SPECIALTY UNDERWRITERS INC | 359 | $137K |
| Other(6 contracts, 5 carriers) | AMERITAS LIFE INSURANCE CORP. | 660 | $221K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 660 | — |
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.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.