| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| FAIRLY CONSULTING GROUP LLC3 | 1800 S WASHINGTON ST STE 400 AMARILLO, TX 791022668 | UNITED HEALTHCARE | — | $4K | $4K | 5.25% |
| FAIRLY CONSULTING GROUP LLC | PO BOX 1149 AMARILLO, TX 79105 | AFLAC | $639 | $0 | $639 | 6.94% |
| GUADALUPE J PESINA | 117 CATALPA ST HEREFORD, TX 79045 | AFLAC | $362 | $12 | $374 | 4.06% |
| TRAVIS GEORGE REEDY | 22420 S BLESSEN RD CANYON, TX 79015 | AFLAC | $275 | $7 | $282 | 3.06% |
| JOHN W MEECH | 23000 ARNOT RD CANYON, TX 79015 | AFLAC | $137 | $0 | $137 | 1.49% |
| RICARDO HERNANDZ GUZMAN | 5309 MATADOR TRL AMARILLO, TX 79109 | AFLAC | $125 | $0 | $125 | 1.36% |
| HANNAH TUCKER | 610 S ALABAMA ST AMARILLO, TX 79106 | AFLAC | $123 | $0 | $123 | 1.34% |
| PHILLIP K WISE | PO BOX 174 WOLFFORTH, TX 79382 | AFLAC | $55 | $0 | $55 | 0.60% |
| MOLLIE BEE MITCHELL | 4 YUCCA CIR CANYON, TX 79015 | AFLAC | $55 | $0 | $55 | 0.60% |
| KELLY GRAYLESS | 6600 HOPE RD AMARILLO, TX 79119 | AFLAC | $7 | $6 | $13 | 0.14% |
| CHRYSTAL MARTINEZ | 6400 BELL ST APT 6102 AMARILLO, TX 79109 | AFLAC | $6 | $6 | $12 | 0.13% |
| DOMENICA S SIGALA | 403 S TENNESSEE ST AMARILLO, TX 79106 | AFLAC | $8 | $0 | $8 | 0.09% |
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 | 23 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 23 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITED HEALTHCARE | 21 | $83K |
| Dental | AFLAC | 17 | $9K |
| Vision | AFLAC | 17 | $9K |
| Life insurance | AFLAC | 17 | $9K |
| Short-term disability | AFLAC | 17 | $9K |
| Other | AFLAC | 17 | $9K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 21 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
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.