| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| UPSHAW INSURANCE AGENCY INC.3 | P.O.BOX 1299 AMARILLO, TX 79105 | UNITEDHEALTHCARE INSURANCE COMPANY | $105K | — | $105K | 5.26% |
| UPSHAW INSURANCE AGENCY INC.3 | P.O.BOX 1299 AMARILLO, TX 79105 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $10K | $3K | $12K | 12.80% |
| UPSHAW INSURANCE AGENCY INC.3 | P.O.BOX 1299 AMARILLO, TX 79105 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $9K | $4K | $13K | 20.81% |
| UPSHAW INSURANCE AGENCY INC.3 | P.O.BOX 1299 AMARILLO, TX 79105 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $6K | $2K | $8K | 20.28% |
| UPSHAW INSURANCE AGENCY INC.3 | P.O.BOX 1299 AMARILLO, TX 79105 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $5K | $2K | $7K | 20.29% |
| UPSHAW INSURANCE AGENCY INC.3 | P.O.BOX 1299 AMARILLO, TX 79105 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $4K | $744 | $4K | 18.03% |
| UPSHAW INSURANCE AGENCY INC.3 | P.O.BOX 1299 AMARILLO, TX 79105 | ASSURITY LIFE INSURANCE COMPANY | $3K | — | $3K | 13.33% |
| UPSHAW INSURANCE AGENCY INC.3 | P.O.BOX 1299 AMARILLO, TX 79105 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $3K | $1K | $5K | 20.13% |
| UPSHAW INSURANCE AGENCY INC.3 | P.O.BOX 1299 AMARILLO, TX 79105 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | $1K | $3K | 15.86% |
| UPSHAW INSURANCE AGENCY INC.3 | P.O.BOX 1299 AMARILLO, TX 79105 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $3K | $479 | $3K | 17.50% |
| UPSHAW INSURANCE AGENCY INC.3 | P.O.BOX 1299 AMARILLO, TX 79105 | ASSURITY LIFE INSURANCE COMPANY | $1K | — | $1K | 15.82% |
| UPSHAW INSURANCE AGENCY INC.3 | P.O.BOX 1299 AMARILLO, TX 79105 | ASSURITY LIFE INSURANCE COMPANY | $2K | — | $2K | 18.58% |
| UPSHAW INSURANCE AGENCY INC.3 | P.O.BOX 1299 AMARILLO, TX 79105 | ASSURITY LIFE INSURANCE COMPANY | $904 | — | $904 | 10.73% |
| UPSHAW INSURANCE AGENCY INC.3 | P.O.BOX 1299 AMARILLO, TX 79105 | ASSURITY LIFE INSURANCE COMPANY | $754 | — | $754 | 10.83% |
| UPSHAW INSURANCE AGENCY INC.3 | P.O.BOX 1299 AMARILLO, TX 79105 | ASSURITY LIFE INSURANCE COMPANY | $290 | — | $290 | 8.41% |
| UPSHAW INSURANCE AGENCY INC.3 | P.O.BOX 1299 AMARILLO, TX 79105 | ASSURITY LIFE INSURANCE COMPANY | $165 | — | $165 | 10.85% |
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 | 220 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 222 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 346 | $2.0M |
| Dental | UNITED OF OMAHA LIFE INSURANCE COMPANY | 171 | $95K |
| Vision | UNITED OF OMAHA LIFE INSURANCE COMPANY | 157 | $20K |
| Life insurance(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 227 | $84K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 222 | $40K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 103 | $36K |
| Other(11 contracts, 2 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 227 | $189K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 346 | — |
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.