| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| INSURANCE MANAGEMENT SERVICES5 | 731 N TAYLOR AMARILLO, TX 79107 | SUNLIFE ASSURANCE COMPANY OF CANADA | $52K | — | $52K | 5.04% |
| INSURANCE MANAGEMENT SERVICES5 | 731 N TAYLOR AMARILLO, TX 79107 | AMERICAN UNITED LIFE INSURANCE COMPANY | $41K | — | $41K | 6.14% |
| JANET ANTHONY3 | 3501 LAFAYETTE LN AMARILLO, TX 79118 | AMERICAN UNITED LIFE INSURANCE COMPANY | $41K | — | $41K | 6.14% |
| JANET ANTHONY3 | 14501 CANYON PASS RD AMARILLO, TX 79118 | AMERCAN HERITAGE LIFE INSURANCE COMPANY | $44K | — | $44K | 14.06% |
| RONNIE WAYNE HAMILTON3 Filed as: RONNIE HAMILTON | 5824 NICHOLAS CIRCLE AMARILLO, TX 79109 | AMERCAN HERITAGE LIFE INSURANCE COMPANY | $5K | — | $5K | 1.64% |
| WORKSITE MARKETING CONCEPTS INC Filed as: WORKSITE MKTG CONCEPTS | 5825 NICHOLAS CIRCLE AMARILLO, TX 79109 | AMERCAN HERITAGE LIFE INSURANCE COMPANY | $1K | — | $1K | 0.41% |
| ROBIN A STARNES3 Filed as: ROBIN STARNES | 104 LAKE LOU ELLA DR BULLARD, TX 75757 | AMERCAN HERITAGE LIFE INSURANCE COMPANY | $528 | — | $528 | 0.17% |
| STARNES-OSBURN & ASSOCIATES, LLC3 Filed as: STARNES OSBURN ASSOCIATES LLC | PO BOX 740 HALLETTSVILLE, TX 77964 | AMERCAN HERITAGE LIFE INSURANCE COMPANY | $108 | — | $108 | 0.03% |
| TIM PARKER3 | 3505 OLSON BLVD STE 225 AMARILLO, TX 79109 | AMERCAN HERITAGE LIFE INSURANCE COMPANY | $23 | — | $23 | 0.01% |
| IMS MARKETING, INC.5 Filed as: IMS MARKETING INC | 731 N TAYLOR ST AMARILLO, TX 79107 | VISION SERVICE PLAN | $3K | — | $3K | 2.23% |
| 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 | $375K |
| 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 | $180K |
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 | 1,053 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 1,053 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | SUNLIFE ASSURANCE COMPANY OF CANADA | 1,053 | $1.0M |
| Vision | VISION SERVICE PLAN | 862 | $140K |
| Life insurance | AMERICAN UNITED LIFE INSURANCE COMPANY | 754 | $665K |
| Short-term disability(2 contracts, 2 carriers) | AMERICAN UNITED LIFE INSURANCE COMPANY | 754 | $980K |
| Long-term disability | AMERICAN UNITED LIFE INSURANCE COMPANY | 754 | $665K |
| Prescription drug | SUNLIFE ASSURANCE COMPANY OF CANADA | 1,053 | $1.0M |
| Other | AMERICAN UNITED LIFE INSURANCE COMPANY | 754 | $665K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,053 | — |
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."
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.