| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| FAIRLY CONSULTING GROUP LLC | 1800 S WASHINGTON ST STE 400 AMARILLO, TX 791022668 | UNITED HEALTHCARE INSURANCE COMPANY | $0 | $7K | $7K | 6.64% |
| GUADALUPE J PESINA | 117 CATALPA ST HEREFORD, TX 79045 | AFLAC | $2K | $316 | $2K | 11.54% |
| FAIRLY CONSULTING GROUP LLC Filed as: FAIRLY CONSULTING GROUP, LLC | PO BOX 1149 AMARILLO, TX 79105 | AFLAC | $2K | $0 | $2K | 10.69% |
| TRAVIS GEORGE REEDY | 22420 S BLESSEN RD CANYON, TX 79015 | AFLAC | $675 | $120 | $795 | 4.92% |
| COREY CAIN | 505 SW 44TH AVE AMARILLO, TX 79110 | AFLAC | $223 | $85 | $308 | 1.90% |
| PHILLIP K WISE | 4904 PRIVATE ROAD 1305 APT C LUBBOCK, TX 79407 | AFLAC | $213 | $62 | $275 | 1.70% |
| KELLY GRAYLESS | 6600 HOPE RD AMARILLO, TX 79119 | AFLAC | $230 | $0 | $230 | 1.42% |
| PHILLIP K WISE | PO BOX 174 WOLFFORTH, TX 79382 | AFLAC | $50 | $0 | $50 | 0.31% |
| CHRISTINA MADRIGAL | 208 RAYMOND ST HEREFORD, TX 79045 | AFLAC | $44 | $0 | $44 | 0.27% |
| JAVIER ANTONIO JAIMES | 3908 DURHAM DR AMARILLO, TX 79118 | AFLAC | $20 | $0 | $20 | 0.12% |
| KRISTINA CASTLEBERRY | 4624 S TRAVIS ST AMARILLO, TX 79110 | AFLAC | $19 | $0 | $19 | 0.12% |
| JOHN W MEECH | 23000 ARNOT RD CANYON, TX 79015 | AFLAC | $14 | $2 | $16 | 0.10% |
| CHRYSTAL MARTINEZ | 6400 BELL ST APT 6102 AMARILLO, TX 79109 | AFLAC | $8 | $0 | $8 | 0.05% |
| RICARDO HERNANDZ GUZMAN | 5309 MATADOR TRL AMARILLO, TX 79109 | AFLAC | $4 | $0 | $4 | 0.02% |
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 | 26 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 26 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITED HEALTHCARE INSURANCE COMPANY | 26 | $98K |
| Dental | AFLAC | 34 | $16K |
| Vision | AFLAC | 34 | $16K |
| Life insurance | AFLAC | 34 | $16K |
| Short-term disability | AFLAC | 34 | $16K |
| Other | AFLAC | 34 | $16K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 34 | — |
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.