| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| UPSHAW INSURANCE AGENCY INC.3 | P.O.BOX 1299 AMARILLO, TX 79105 | BLUE CROSS AND BLUE SHIELD OF TEXAS | $113K | — | $113K | 4.07% |
| INSURORS OF TEXAS GENERAL AGENCY3 | — | BLUE CROSS AND BLUE SHIELD OF TEXAS | — | $2K | $2K | 0.06% |
| UPSHAW INSURANCE AGENCY INC.3 | P.O.BOX 1299 AMARILLO, TX 79105 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $11K | $2K | $12K | 11.47% |
| UPSHAW INSURANCE AGENCY INC.3 | P.O.BOX 1299 AMARILLO, TX 79105 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $7K | $1K | $9K | 17.96% |
| UPSHAW INSURANCE AGENCY INC.3 | P.O.BOX 1299 AMARILLO, TX 79105 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $7K | $1K | $9K | 18.04% |
| UPSHAW INSURANCE AGENCY INC.3 | P.O.BOX 1299 AMARILLO, TX 79105 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $5K | $1K | $6K | 17.99% |
| UPSHAW INSURANCE AGENCY INC.3 | P.O.BOX 1299 AMARILLO, TX 79105 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $4K | $746 | $5K | 17.92% |
| UPSHAW INSURANCE AGENCY INC.3 | P.O.BOX 1299 AMARILLO, TX 79105 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | $669 | $3K | 12.96% |
| UPSHAW INSURANCE AGENCY INC.3 | P.O.BOX 1299 AMARILLO, TX 79105 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $3K | $660 | $4K | 17.92% |
| UPSHAW INSURANCE AGENCY INC.3 Filed as: UPSHAW INSURANCE AGENCY INC | P.O. BOX 1299 AMARILLO, TX 79105 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $4K | $541 | $4K | 22.84% |
| UPSHAW INSURANCE AGENCY INC.3 | P.O.BOX 1299 AMARILLO, TX 79105 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $3K | $546 | $3K | 17.97% |
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 | 244 | 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) | 244 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS AND BLUE SHIELD OF TEXAS | 376 | $2.8M |
| Dental | UNITED OF OMAHA LIFE INSURANCE COMPANY | 191 | $106K |
| Vision | UNITED OF OMAHA LIFE INSURANCE COMPANY | 180 | $23K |
| Life insurance(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 244 | $74K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 243 | $49K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 108 | $35K |
| Other(5 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 244 | $134K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 376 | — |
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.