| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| STHEALTH BENEFIT SOLUTIONS LLC3 | 18940 N PIMA RD STE 210 SCOTTSDALE, AZ 85255 | UNIMERICAN INSURANCE COMPANY | $81K | — | $81K | 12.00% |
| MICHELLE BRYSON3 | 1800 S WASHINGTON ST STE 400 AMARILLO, TX 79102 | RENAISSANCE LIFE & HEALTH INSURANCE COMPANY OF AMERICA | $45K | — | $45K | 10.00% |
| FAIRLY CONSULTING GROUP LLC3 | 1800 S WASHINGTON ST STE 400 AMARILLO, TX 79102 | LINCOLN LIFE ASSURANCE COMPANY OF BOSTON | $53K | — | $53K | 20.10% |
| FB BENEFITS GROUP3 | 1800 S WASHINGTON ST STE 400 AMARILLO, TX 79102 | UNITED HEALTHCARE INSURANCE COMPANY | $3K | — | $3K | 1.44% |
| FB BENEFITS GROUP3 | 410 S TAYLOR STE 1102 AMARILLO, TX 79101 | UNITED HEALTHCARE INSURANCE COMPANY | $2K | — | $2K | 1.38% |
| FAIRLY CONSULTING GROUP LLC3 | 1800 S WASHINGTON ST STE 400 AMARILLO, TX 79102 | TOKIO MARINE | $11K | — | $11K | 10.00% |
| MICHELLE BRYSON3 | 1800 S WASHINGTON ST STE 400 AMARILLO, TX 79102 | RENAISSANCE LIFE & HEALTH INSURANCE COMPANY OF AMERICA | $9K | — | $9K | 10.00% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| INSURANCE MANAGEMENT SERVICES EIN 75-2355889 THIRD PARTY ADMINISTRATOR | Plan Administrator; Claims processing Service code 12 | 713 N TAYLOR AMARILLO, TX 79107 | $271K |
| FAIRLY CONSULTING GROUP EIN 47-5239878 AGENT | Insurance agents and brokers Service code 22 | 1800 S WASHINGTON STE 400 AMARILLO, TX 79102 | $175K |
| MAXOR PLUS EIN 75-2676894 PHARMACY BENEFIT MANAGER | Plan Administrator Service code 14 | — | $47K |
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 | 664 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 39 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 703 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | RENAISSANCE LIFE & HEALTH INSURANCE COMPANY OF AMERICA | 523 | $453K |
| Vision | RENAISSANCE LIFE & HEALTH INSURANCE COMPANY OF AMERICA | 496 | $87K |
| Life insurance | LINCOLN LIFE ASSURANCE COMPANY OF BOSTON | 667 | $265K |
| Prescription drug(2 contracts) | UNITED HEALTHCARE INSURANCE COMPANY | 51 | $300K |
| Stop-loss / reinsurancereinsurance | UNIMERICAN INSURANCE COMPANY | 668 | $673K |
| Other | TOKIO MARINE | 668 | $108K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 668 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.