| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| FAIRLY CONSULTING GROUP LLC3 | 1800 S WASHINGTON ST STE 400 AMARILLO, TX 79102 | UNITED HEALTHCARE INSURANCE COMPANY | — | $2K | $2K | 3.50% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF TEXAS INC | 1800 S WASHINGTON ST STE 400 AMARILLO, TX 79102 | UNITED HEALTHCARE INSURANCE COMPANY | — | $921 | $921 | 1.71% |
| HELEN RODRIGUEZ-BURTON3 | PO BOX 10021 AMARILLO, TX 79116 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $599 | $58 | $657 | 9.17% |
| FAIRLY CONSULTING GROUP LLC3 Filed as: FAIRLY CONSULTING | 1800 S WASHINGTON ST STE 400 AMARILLO, TX 79102 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $605 | — | $605 | 8.45% |
| KRISTEN LYNN JOHNSON3 | 3408 GRAND OAK AMARILLO, TX 79118 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $321 | $43 | $364 | 5.08% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF TEXAS INC | PO BOX 1149 AMARILLO, TX 79105 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $137 | — | $137 | 1.91% |
| CAROL LEE HOLDEN3 | 5312 RADIANT LANE AMARILLO, TX 79109 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $103 | $2 | $105 | 1.47% |
| BELINDA MARIE GARCIA3 | 2901 APACHE STREET AMARILLO, TX 79103 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $71 | $12 | $83 | 1.16% |
| ALEJANDRO LOPEZ3 | 2112 S POLK ST APT 5 AMARILLO, TX 79109 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $71 | — | $71 | 0.99% |
| ERIN PHOUTTHAVONG3 | 4301 S ALDREDGE ST AMARILLO, TX 79118 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $11 | $4 | $15 | 0.21% |
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 | 27 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 27 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITED HEALTHCARE INSURANCE COMPANY | 27 | $54K |
| Short-term disability | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 13 | $7K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 27 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
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.