| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| FAIRLY CONSULTING GROUP LLC3 | 1800 S WASHINGTON ST STE 400 AMARILLO, TX 791022668 | UNITEDHEALTHCARE INSURANCE COMPANY | $0 | $5K | $5K | 4.91% |
| GUADALUPE J PESINA | 708 KNIGHT ST HEREFORD, TX 79045 | AFLAC | $571 | — | $571 | 5.05% |
| FAIRLY CONSULTING GROUP LLC Filed as: FAIRLY CONSULTING GROUP, LLC | PO BOX 1149 AMARILLO, TX 79105 | AFLAC | $518 | — | $518 | 4.58% |
| TRAVIS GEORGE REEDY | 22420 S BLESSEN RD CANYON, TX 79015 | AFLAC | $364 | $4 | $368 | 3.25% |
| DOMENICA S SIGALA | 2720 S APACHE ST AMARILLO, TX 79103 | AFLAC | $161 | $10 | $171 | 1.51% |
| PHILLIP K WISE | 218 FM 2378 LUBBOCK, TX 79407 | AFLAC | $91 | — | $91 | 0.80% |
| ISMAEL J ANGUIANO | 4711 S VIRGINIA ST, APT 207 AMARILLO, TX 79109 | AFLAC | $83 | $6 | $89 | 0.79% |
| JOHN W MEECH | 20651 FM 1062 CANYON, TX 79015 | AFLAC | $37 | — | $37 | 0.33% |
| LINDSEY REEDY | 22420 S BLESSEN RD CANYON, TX 79015 | AFLAC | $7 | $4 | $11 | 0.10% |
| DAYNA MAYDEN | 32563 S WESTERN ST CANYON, TX 79015 | AFLAC | $4 | $1 | $5 | 0.04% |
| CHRYSTAL MARTINEZ | 1729 ZILKER PARK TRL ALVARADO, TX 76009 | AFLAC | $1 | — | $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 | $112K |
| Dental | AFLAC | 22 | $11K |
| Vision | AFLAC | 22 | $11K |
| Life insurance | AFLAC | 22 | $11K |
| Short-term disability | AFLAC | 22 | $11K |
| Other | AFLAC | 22 | $11K |
| 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.