| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| FROST INSURANCE AGENCY INC3 | 1111 W HOUSTON ST #T-11 SAN ANTONIO, TX 78207 | PRINCIPAL LIFE INSURANCE COMPANY | $14K | $0 | $14K | 13.78% |
| MICHAEL HILL3 | 3304 PROVIDENCE DR MIDLAND, TX 79707 | AFLAC | $7K | $442 | $8K | 13.86% |
| ELI LEAL3 | 8600 RUTLAND DR ODESSA, TX 79765 | AFLAC | $2K | $283 | $3K | 4.56% |
| NANCY B PENA3 Filed as: NANCY PENA | 12022 LAS NUBES ST SAN ANTONIO, TX 78233 | AFLAC | $1K | $149 | $2K | 2.87% |
| RODGER WELLS3 | 415 W WALL ST STE 1818 MIDLAND, TX 79701 | AFLAC | $1K | $169 | $2K | 2.77% |
| JOHN DREW BRIDGES3 Filed as: JOHN BRIDGES | 4313 WOOD DR MIDLAND, TX 79707 | AFLAC | $694 | $0 | $694 | 1.23% |
| JON-DAVID DUNN3 | 3008 SAN JOSE DR ODESSA, TX 79765 | AFLAC | $437 | $0 | $437 | 0.77% |
| AMANDA MCCANN POTTER3 Filed as: AMANDA POTTER | PO BOX 591 COMFORT, TX 78013 | AFLAC | $161 | $0 | $161 | 0.28% |
| EVELYN VILLALOBOS3 | 415 W WALL ST STE 1818 MIDLAND, TX 79701 | AFLAC | $84 | $0 | $84 | 0.15% |
| MATTHEW D ALLISON3 Filed as: MATTHEW ALLISON | 1340 E 7TH ST STE 270 ODESSA, TX 79761 | AFLAC | $47 | $0 | $47 | 0.08% |
| CALLIE GARRETT3 | 6502 DRIFTWOOD DR MIDLAND, TX 79707 | AFLAC | $46 | $0 | $46 | 0.08% |
| IMS MARKETING, INC.3 | 731 N TAYLOR ST AMARILLO, TX 79107 | HCC LIFE INSURANCE COMPANY | $2K | $0 | $2K | 10.00% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| IMS MARKETING, INC. EIN 75-2355889 TPA | Plan Administrator; Claims processing Service code 12 | P.O. BOX 15688 AMARILLO, TX 79105 | $64K |
| FROST INSURANCE AGENCY EIN 75-2760731 INSURANCE AGENT | Insurance agents and brokers Service code 22 | 2950 N. HARWOOD #1200 DALLAS, TX 75201 | $47K |
| PCM RX MANGEMENT EIN 27-3463867 RX MANAGEMENT | Other services Service code 49 | P.O. BOX 34446 RENO, NV 89533 | $3K |
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 | 191 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 191 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | PRINCIPAL LIFE INSURANCE COMPANY | 316 | $103K |
| Vision | PRINCIPAL LIFE INSURANCE COMPANY | 316 | $103K |
| Life insurance | PRINCIPAL LIFE INSURANCE COMPANY | 316 | $103K |
| Short-term disability | AFLAC | 49 | $57K |
| Long-term disability | PRINCIPAL LIFE INSURANCE COMPANY | 316 | $103K |
| Other(2 contracts, 2 carriers) | AFLAC | 136 | $76K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 316 | — |
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.
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.