| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| INSURICA, INC.3 Filed as: INSURICA DFB INSURANCE SERVICES LLC | 301 S POLK STREET, SUITE 600 AMARILLO, TX 79101 | UNITED HEALTHCARE INSURANCE COMPANY | $3K | $3K | $6K | 15.00% |
| WALTER H LANDWEHR3 Filed as: WALTER HENRY LANDWEHR JR | 500 W 7TH STREET, SUITE 501 FORT WORTH, TX 76102 | UNITED HEALTHCARE INSURANCE COMPANY | $3K | — | $3K | 7.50% |
| DALLAS INSURANCE EXCHANGE II INC3 | 15660 DALLAS PARKWAY, SUITE 500 LB-60 DALLAS, TX 75248 | UNITED HEALTHCARE INSURANCE COMPANY | $1K | — | $1K | 3.00% |
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 | 125 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 125 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Long-term disability | UNITED HEALTHCARE INSURANCE COMPANY | 125 | $42K |
| Other | UNITED HEALTHCARE INSURANCE COMPANY | 125 | $42K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 125 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.