| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| INSURANCE MANAGEMENT SERVICES5 | 731 N TAYLOR AMARILLLO, TX 79107 | SUNLIFE ASSURANCE COMPANY OF CANADA | $41K | — | $41K | 7.10% |
| INSURANCE MANAGEMENT SERVICES5 | 731 N TAYLOR AMARILLO, TX 79107 | HARTFORD LIFE INSURANCE COMPANY | $43K | — | $43K | 20.00% |
| RONNIE WAYNE HAMILTON3 Filed as: RONNIE W HAMILTON | 5013 WWAY TRL AMARILLO, TX 79109 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $13K | — | $13K | 6.98% |
| WT WORKSITE SOLUTIONS LLC3 | 9300 PLANTATION DR CANYON, TX 79015 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $5K | $615 | $5K | 2.94% |
| INSURANCE MANAGEMENT SERVICES3 | 731 N TAYLOR AMARILLO, TX 79107 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $4K | — | $4K | 2.33% |
| JANET ANTHONY3 Filed as: JANET DAWN ANTHONY | 3501 LAFAYETTLE LN AMARILLO, TX 79118 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $3K | — | $3K | 1.64% |
| TIMOTHYT WAYNE PARKER3 | 6518 WEST HUNTER LAKE RD DULUTH, MN 55803 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $507 | — | $507 | 0.27% |
| STERLING WEALTH MANAGEMENT LLC3 | C/O CHARLES JAEGER BROOKFIELD, WI 53045 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $4 | $3 | $7 | 0.00% |
| PAMELA JEAN DESHAW-BRACKETT3 Filed as: PAMELA JEAN DEWHAW-BRACKETT | 6518 WEST HUNTER LAKE RD DULUTH, MN 55803 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $4 | — | $4 | 0.00% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| INSURANCE MANAGEMENT SERVICES EIN 75-2355889 THIRD PARTY ADMINISTRATOR | Claims processing; Plan Administrator Service code 12 | 731 N TAYLOR AMARILLO, TX 79107 | $273K |
| CIGNA HEALTH AND INS CO EIN 59-1031071 SERVICE PROVIDER | Other insurance fees and expenses Service code 73 | 900 COTTAGE GROVE ROAD HARTFORD, CT 06152 | $108K |
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 | 785 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 785 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | SUNLIFE ASSURANCE COMPANY OF CANADA | 785 | $571K |
| Life insurance | HARTFORD LIFE INSURANCE COMPANY | 785 | $213K |
| Short-term disability | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 303 | $186K |
| Long-term disability | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 303 | $186K |
| Prescription drug | SUNLIFE ASSURANCE COMPANY OF CANADA | 785 | $571K |
| Other | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 303 | $186K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 785 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.