| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| FAIRLY CONSULTING GROUP LLC3 | 1800 S WASHINGTON ST, STE 400 AMARILLO, TX 79102 | UNITEDHEALTHCARE INSURANCE COMPANY | — | $6K | $6K | 5.21% |
| FAIRLY CONSULTING GROUP LLC Filed as: FAIRLY CONSULTING GROUP, LLC | PO BOX 1149 AMARILLO, TX 79105 | AFLAC | $705 | $0 | $705 | 5.15% |
| GUADALUPE J PESINA | 117 CATALPA ST HEREFORD, TX 79045 | AFLAC | $571 | $24 | $595 | 4.35% |
| TRAVIS GEORGE REEDY | 22420 S BLESSEN RD CANYON, TX 79015 | AFLAC | $394 | $6 | $400 | 2.92% |
| DOMENICA S SIGALA | 2720 S APACHE ST AMARILLO, TX 79103 | AFLAC | $169 | $0 | $169 | 1.24% |
| JOHN W MEECH | 23000 ARNOT RD CANYON, TX 79015 | AFLAC | $150 | $6 | $156 | 1.14% |
| PHILLIP K WISE | 218 FM 2378 LUBBOCK, TX 79407 | AFLAC | $108 | $0 | $108 | 0.79% |
| ISMAEL J ANGUIANO | 4711 S VIRGINIA ST, APT 207 AMARILLO, TX 79109 | AFLAC | $95 | $0 | $95 | 0.69% |
| LINDSEY REEDY | 22420 S BLESSEN RD CANYON, TX 79015 | AFLAC | $63 | $0 | $63 | 0.46% |
| DAYNA MAYDEN | 32563 S WESTERN ST CANYON, TX 79015 | AFLAC | $18 | $0 | $18 | 0.13% |
| KELLY GRAYLESS | 6600 HOPE RD AMARILLO, TX 79119 | AFLAC | $1 | $0 | $1 | 0.01% |
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 | 33 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 33 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 33 | $116K |
| Dental | AFLAC | 29 | $14K |
| Vision | AFLAC | 29 | $14K |
| Life insurance | AFLAC | 29 | $14K |
| Short-term disability | AFLAC | 29 | $14K |
| Other | AFLAC | 29 | $14K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 33 | — |
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.