| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HEFA OPERATING LLC3 Filed as: HEFA OPERATING, LLC | 101 SUMMIT AVE STE 600 FORT WORTH, TX 76102 | UNUM LIFE INSURANCE COMPANY OF AMERICA | — | — | $0 | 0.00% |
| GPA3 | 12770 MERIT DRIVE DALLAS, TX 75251 | STANDARD SECURITY LIFE | $4K | — | $4K | 10.00% |
| UNIFIED EMPLOYEE BENEFITS3 | 2900 S 70TH ST, STE 300 LINCOLN, NE 68506 | TRANSAMERICA LIFE INSURANCE COMPANY | $5K | — | $5K | 15.02% |
| LMBC LI, LLC3 | 735 PLAZA BLVD, STE 100 COPPELL, TX 75019 | TRANSAMERICA LIFE INSURANCE COMPANY | $3K | — | $3K | 9.73% |
| LISA N. BATES3 Filed as: LISA N BATES | 6 BAYOU POINTE DRIVE HOUSTON, TX 77063 | TRANSAMERICA LIFE INSURANCE COMPANY | $2K | — | $2K | 6.93% |
| UNIFIED EMPLOYEE BENEFITS3 | 2900 S 70TH ST, STE 300 LINCOLN, NE 68506 | TRANSAMERICA LIFE INSURANCE COMPANY | $2K | — | $2K | 5.10% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE INC | 200 GALLERIA PARKWAY, STE 1950 ATLANTA, GA 30339 | TRANSAMERICA LIFE INSURANCE COMPANY | $123 | — | $123 | 0.36% |
| UNIFIED EMPLOYEE BENEFITS3 | 2900 S 70TH ST, STE 300 LINCOLN, NE 68506 | TRANSAMERICA LIFE INSURANCE COMPANY | $4K | — | $4K | 13.04% |
| LMBC LI, LLC3 | 735 PLAZA BLVD, STE 100 COPPELL, TX 75019 | TRANSAMERICA LIFE INSURANCE COMPANY | $3K | — | $3K | 9.61% |
| UNIFIED EMPLOYEE BENEFITS3 | 2900 S 70TH ST, STE 300 LINCOLN, NE 68506 | TRANSAMERICA LIFE INSURANCE COMPANY | $2K | — | $2K | 7.13% |
| LISA N. BATES3 Filed as: LISA N BATES | 6 BAYOU POINTE DRIVE HOUSTON, TX 77063 | TRANSAMERICA LIFE INSURANCE COMPANY | $2K | — | $2K | 6.02% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE INC | 200 GALLERIA PARKWAY, STE 1950 ATLANTA, GA 30339 | TRANSAMERICA LIFE INSURANCE COMPANY | $345 | — | $345 | 1.05% |
| INSURANCE MANAGEMENT SERVICES3 | 731 N TAYLOR AMARILLO, TX 79107 | STANDARD SECURITY LIFE INSURANCE COMPANY | $396 | — | $396 | 2.93% |
| NCW INSURANCE3 | PO BOX 506 AMARILLO, TX 79105 | STANDARD SECURITY LIFE INSURANCE COMPANY | $396 | — | $396 | 2.93% |
| 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 | $55K |
| NCW INSURANCE EIN 75-2406160 INSURANCE AGENT | Insurance agents and brokers Service code 22 | PO BOX 506 AMARILLO, TX 79105 | $24K |
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 | 278 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 278 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | INTERMEDIARY INSURANCE SERVICES INC | 285 | $140K |
| Life insurance(2 contracts, 2 carriers) | DEARBORN NATIONAL LIFE INSURANCE COMPANY | 297 | $81K |
| Short-term disability | DEARBORN NATIONAL LIFE INSURANCE COMPANY | 297 | $42K |
| Prescription drug(2 contracts, 2 carriers) | INTERMEDIARY INSURANCE SERVICES INC | 285 | $140K |
| Stop-loss / reinsurancereinsurance | BERKLEY LIFE AND HEALTH INSURANCE COMPANY | 192 | $184K |
| Other(6 contracts, 5 carriers) | DEARBORN NATIONAL LIFE INSURANCE COMPANY | 502 | $197K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 502 | — |
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.