| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| INSURANCE MANAGEMENT SERVICES5 | 731 N TAYLOR AMARILLO, TX 79107 | SUNLIFE ASSURANCE COMPANY OF CANADA | — | $42K | $42K | 6.20% |
| JANET ANTHONY3 | 3501 LAFAYETTE LN AMARILLO, TX 79105 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $47K | — | $47K | 15.00% |
| JANET ANTHONY3 | 3501 LAFAYETTLE LN AMARILLO, TX 79118 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $41K | — | $41K | 14.52% |
| RONNIE WAYNE HAMILTON3 Filed as: RONNIE W HAMILTON | 5825 NICHOLAS CIRCLE AMARILLO, TX 79109 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $6K | — | $6K | 2.08% |
| WORKSITE MARKETING CONCEPTS INC3 Filed as: WORKSITE MKTG CONCEPTS INC | 5825 NICHOLAS CIRCLE AMARILLO, TX 79109 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $3K | — | $3K | 1.06% |
| ROBIN A STARNES3 Filed as: ROBIN STARNES | PO BOX 740 HALLETTSVILLE, TX 77964 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $592 | — | $592 | 0.21% |
| STARNES-OSBURN & ASSOCIATES, LLC3 Filed as: STARNES OSBURN & ASSOCIATES LLC | PO BOX 740 HALLETTSVILLE, TX 77964 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $124 | — | $124 | 0.04% |
| TIM PARKER3 | 3505 OLSEN BLVD STE 225 AMARILLO, TX 79109 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $25 | — | $25 | 0.01% |
| INSURANCE MANAGEMENT SERVICES5 | 731 N TAYLOR AMARILLO, TX 79107 | HARTFORD LIFE INSURANCE COMPANY | $48K | — | $48K | 20.60% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| INSURANCE MANAGEMENT SERVICES EIN 75-2355889 THIRD PARTY ADMINISTRATOR | Plan Administrator; Claims processing Service code 12 | 731 N TAYLOR AMARILLO, TX 79107 | $258K |
| CIGNA HEALTH AND INS CO EIN 59-1031071 PPO NETWORK | Other insurance fees and expenses Service code 73 | 900 COTTAGE GROVE ROAD HARTFORD, CT 06152 | $131K |
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 | 829 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 829 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | SUNLIFE ASSURANCE COMPANY OF CANADA | 829 | $675K |
| Life insurance | HARTFORD LIFE INSURANCE COMPANY | 864 | $232K |
| Short-term disability(2 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 440 | $594K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 440 | $315K |
| Prescription drug | SUNLIFE ASSURANCE COMPANY OF CANADA | 829 | $675K |
| Other | AMERICAN HERITAGE LIFE INSURANCE COMPANY | 378 | $279K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 864 | — |
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."
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.