| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| WELLSPRING INSURANCE AGENCY INC3 Filed as: WELLSPRING INSURANCE AGENCY, INC. | 124 OLD TOWN BLVD N STE 100 LANTANNA, TX 76226 | UNITEDHEALTHCARE INSURANCE COMPANY | $0 | $25K | $25K | 3.52% |
| CLARKADAMSON, LLC3 Filed as: CLARKADAMSON LLC | 3913 ANDREW AVE DENTON, TX 76210 | UNITEDHEALTHCARE INSURANCE COMPANY | $0 | $8K | $8K | 1.12% |
| WELLSPRING INSURANCE AGENCY INC3 Filed as: WELLSPRING INSURANCE AGENCY, INC. | 124 OLD TOWN BLVD N STE 100 LANTANNA, TX 76226 | UNITEDHEALTHCARE INSURANCE COMPANY | $0 | $7K | $7K | 0.99% |
| WELLSPRING BENEFITS INC3 Filed as: WELLSPRING AGENCY, INC. | 124 OLD TOWN BLVD N STE 100 LANTANNA, TX 76226 | PRINCIPAL LIFE INSURANCE COMPANY | $6K | $0 | $6K | 9.10% |
| CLARKADAMSON, LLC3 | 3913 ANDREW AVE DENTON, TX 76210 | PRINCIPAL LIFE INSURANCE COMPANY | $2K | $0 | $2K | 3.18% |
| WELLSPRING INSURANCE AGENCY INC3 | 124 OLD TOWN BLVD N STE 100 LANTANA, TX 76226 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $3K | $0 | $3K | 9.91% |
| CLARK INSURANCE3 Filed as: CLARK ADAMSON LLC | 3603 FM 51 GAINESVILLE, TX 76240 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $1K | $0 | $1K | 5.09% |
| WELLSPRING INSURANCE AGENCY INC3 Filed as: WELLSPRING INSURANCE AGENCY, INC. | 124 OLD TOWN BLVD N ARGYLE, TX 76226 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $1K | $0 | $1K | 9.34% |
| WELLSPRING INSURANCE AGENCY INC3 | 124 OLD TOWN BLVD N STE 100 LANTANA, TX 76226 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $255 | $0 | $255 | 6.70% |
| CLARK INSURANCE3 Filed as: CLARK ADAMSON LLC | 3603 FM 51 GAINESVILLE, TX 76240 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $126 | $0 | $126 | 3.31% |
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 | 107 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 1 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 109 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 107 | $715K |
| Dental | PRINCIPAL LIFE INSURANCE COMPANY | 234 | $71K |
| Vision | FIDELITY SECURITY LIFE INSURANCE COMPANY | 163 | $12K |
| Life insurance(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 94 | $30K |
| Other(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 94 | $30K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 234 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.