| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MICHELLE BRYSON3 | 1800 S WASHINGTON ST STE 400 AMARILLO, TX 79102 | RENAISSANCE LIFE & HEALTH INSURANCE COMPANY OF AMERICA | $55K | — | $55K | 10.00% |
| FAIRLY CONSULTING GROUP LLC3 Filed as: FAIRLY CONSULTING GROUP | PO BOX 1149 AMARILLO, TX 79105 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $64K | — | $64K | 23.83% |
| FB BENEFITS GROUP3 | 1800 S WASHINGTON ST STE 400 AMARILLO, TX 79102 | UNITED HEALTHCARE INSURANCE COMPANY | $4K | — | $4K | 1.96% |
| FB BENEFITS GROUP3 | 410 S TAYLOR STE 1102 AMARILLO, TX 79101 | UNITED HEALTHCARE INSURANCE COMPANY | $2K | — | $2K | 2.00% |
| FAIRLY CONSULTING GROUP LLC3 Filed as: FAIRLY CONSULTING GROUP | 1800 S WASHINGTON ST STE 400 AMARILLO, TX 79102 | TOKIO MARINE | $11K | — | $11K | 10.05% |
| FAIRLY CONSULTING GROUP LLC3 Filed as: FAIRLY CONSULTING GROUP | 1800 S WASHINGTON ST STE 400 AMARILLO, TX 79102 | HCC LIFE INSURANCE COMPANY | $11K | — | $11K | 10.01% |
| FAIRLY CONSULTING GROUP LLC3 Filed as: FAIRLY CONSULTING GROUP | PO BOX 1149 AMARILLO, TX 79105 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $20K | — | $20K | 23.81% |
| FAIRLY CONSULTING GROUP LLC3 Filed as: FAIRLY CONSULTING GROUP | PO BOX 1149 AMARILLO, TX 79105 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $17K | — | $17K | 23.47% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| INSURANCE MANAGEMENT SERVICES EIN 75-2355889 TPA | Claims processing; Plan Administrator Service code 12 | 713 N TAYLOR AMARILLO, TX 79107 | $208K |
| FAIRLY CONSULTING GROUP EIN 47-5239878 AGENT | Insurance agents and brokers Service code 22 | 1800 S WASHINGTON STE 400 AMARILLO, TX 79102 | $177K |
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 | 666 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 41 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 707 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | RENAISSANCE LIFE & HEALTH INSURANCE COMPANY OF AMERICA | 522 | $555K |
| Vision | RENAISSANCE LIFE & HEALTH INSURANCE COMPANY OF AMERICA | 522 | $555K |
| Life insurance | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 645 | $270K |
| Long-term disability | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 645 | $85K |
| Prescription drug(2 contracts) | UNITED HEALTHCARE INSURANCE COMPANY | 52 | $298K |
| Stop-loss / reinsurancereinsurance | STEALTH PARTNER GROUP | 668 | $785K |
| Other(3 contracts, 3 carriers) | TOKIO MARINE | 676 | $294K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 676 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
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.