| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| DALLAS INSURANCE EXCHANGE II INC3 | 15660 DALLAS PKWY STE 500 DALLAS, TX 75248 | UNITED HEALTHCARE INSURANCE COMPANY | $16K | — | $16K | 1.98% |
| FAIRLY CONSULTING GROUP LLC3 | 1800 S. WASHINGTON ST. STE 400 AMARILLO, TX 79102 | AMERITAS LIFE INSURANCE CORP. | $5K | $585 | $5K | 11.21% |
| FAIRLY CONSULTING GROUP LLC3 | 1800 S. WASHINGTON ST. STE 400 AMARILLO, TX 79102 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $5K | — | $5K | 15.00% |
| FAIRLY CONSULTING GROUP LLC3 | 1800 S. WASHINGTON ST. STE 400 AMARILLO, TX 79102 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $3K | — | $3K | 15.00% |
| FAIRLY CONSULTING GROUP LLC3 | 1800 S. WASHINGTON ST. STE 400 AMARILLO, TX 79102 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $984 | — | $984 | 14.99% |
| FAIRLY CONSULTING GROUP LLC3 | 1800 S. WASHINGTON ST. STE 400 AMARILLO, TX 79102 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $529 | — | $529 | 14.99% |
| FAIRLY CONSULTING GROUP LLC3 | 1800 S. WASHINGTON ST. STE 400 AMARILLO, TX 79102 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $301 | — | $301 | 10.12% |
| FAIRLY CONSULTING GROUP LLC3 | 1800 S. WASHINGTON ST. STE 400 AMARILLO, TX 79102 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $65 | — | $65 | 10.16% |
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 | 189 | 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) | 189 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITED HEALTHCARE INSURANCE COMPANY | 189 | $824K |
| Dental(2 contracts, 2 carriers) | AMERITAS LIFE INSURANCE CORP. | 151 | $52K |
| Vision(2 contracts, 2 carriers) | AMERITAS LIFE INSURANCE CORP. | 151 | $49K |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 101 | $34K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 19 | $7K |
| Other(3 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 101 | $56K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 189 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.