| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| FAIRLY CONSULTING GROUP LLC3 | 1800 S WASHINGTON ST STE 400 AMARILLO, TX 79102 | AMERITAS LIFE INSURANCE CORP | $54K | $5K | $59K | 10.99% |
| FAIRLY CONSULTING GROUP LLC3 | 1800 S WASHINGTON ST STE 400 AMARILLO, TX 79102 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $42K | — | $42K | 22.00% |
| FAIRLY CONSULTING GROUP LLC3 | 1800 S WASHINGTON ST STE 400 AMARILLO, TX 79102 | UNITED HEALTHCARE INSURANCE COMPANY | $3K | — | $3K | 2.04% |
| FAIRLY CONSULTING GROUP LLC3 | 1800 S WASHINGTON ST STE 400 AMARILLO, TX 79102 | UNITED HEALTHCARE INSURANCE COMPANY | $2K | — | $2K | 2.08% |
| FAIRLY CONSULTING GROUP LLC3 | 1800 S WASHINGTON ST STE 400 AMARILLO, TX 79102 | TOKIO MARINE HCC | $11K | — | $11K | 10.00% |
| FAIRLY CONSULTING GROUP LLC3 | 1800 S WASHINGTON ST STE 400 AMARILLO, TX 79102 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $17K | — | $17K | 22.00% |
| FAIRLY CONSULTING GROUP LLC3 | 1800 S WASHINGTON ST STE 400 AMARILLO, TX 79102 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $14K | — | $14K | 22.00% |
| FAIRLY CONSULTING GROUP LLC3 | 1800 S WASHINGTON ST STE 400 AMARILLO, TX 79102 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $13K | — | $13K | 22.00% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| INSURANCE MANAGEMENT SERVICES EIN 75-2355889 TPA | Claims processing; Plan Administrator Service code 12 | 713 N TAYLOR AMARILLO, TX 79107 | $281K |
| FAIRLY CONSULTING GROUP EIN 47-5239878 AGENT | Insurance agents and brokers Service code 22 | 1800 S WASHINGTON STE 400 AMARILLO, TX 79102 | $161K |
| MAXORPLUS, LTD EIN 75-2676894 PHARMACY BENEFIT MANAGER | Contract Administrator Service code 13 | 320 S POLK ST, STE 200 AMARILLO, TX 79101 | $46K |
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 | 663 | 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) | 704 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITED HEALTHCARE INSURANCE COMPANY | 48 | $170K |
| Dental | AMERITAS LIFE INSURANCE CORP | 1,196 | $538K |
| Vision | AMERITAS LIFE INSURANCE CORP | 1,196 | $538K |
| Life insurance(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 652 | $251K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 270 | $75K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 652 | $63K |
| Prescription drug | UNITED HEALTHCARE INSURANCE COMPANY | 48 | $111K |
| Other(5 contracts, 3 carriers) | BERKSHIRE HATHAWAY SPECIALTY INSURANCE | 667 | $1.5M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,196 | — |
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.