| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| NEELY CRAIG & WALTON LLP3 Filed as: NEELY, CRAIG & WALTON- BENEFITS DEP | 15 MEDICAL DRIVE AMARILLO, TX 79106 | SELECT BENEFITS GROUP INC., DBA DENTAL SELECT | $9K | — | $9K | 7.68% |
| NEELY, CRAIG & WALTON-BENEFITS DEPT3 | 15 MEDICAL DRIVE AMARILLO, TX 79106 | SELECT BENEFITS GROUP INC., DBA DENTAL SELECT | $5K | — | $5K | 7.21% |
| HERITAGE-RM LLC3 Filed as: HERITAGE RM | 15 MEDICAL DRIVE AMARILLO, TX 79106 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $4K | — | $4K | 5.44% |
| MICHELLE FUQUA BRYSON3 Filed as: MICHELLE F BRYSON | 410 S TAYLOR STE 1102 AMARILLO, TX 79101 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $1K | — | $1K | 1.56% |
| UNIFIED EMPLOYEE BENEFITS5 | 2900 S 70TH ST STE 300 LINCOLN, NE 68506 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $9K | — | $9K | 14.65% |
| HERITAGE-RM LLC5 Filed as: HERITAGE RM | 15 MEDICAL DRIVE AMARILLO, TX 79106 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $8K | — | $8K | 12.90% |
| MICHELLE FUQUA BRYSON3 Filed as: MICHELLE F BRYSON | 410 S TAYLOR STE 1102 AMARILLO, TX 79101 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $580 | — | $580 | 0.97% |
| NEELY CRAIG & WALTON LLP3 | 15 MEDICAL DRIVE AMARILLO, TX 79105 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $35K | — | $35K | 64.12% |
| INSURANCE MANAGEMENT SERVICES5 | 731 N TAYLOR AMARILLO, TX 79107 | STANDARD SECURITY LIFE INSURANCE COMPANY | $2K | — | $2K | 4.19% |
| NCW INSURANCE3 | 15 MEDICAL DRIVE AMARILLO, TX 79106 | STANDARD SECURITY LIFE INSURANCE COMPANY | $2K | — | $2K | 3.78% |
| MICHELLE FUQUA BRYSON3 Filed as: MICHELLE FUQUA-BRYSON | 410 S TAYLOR STE 1102 AMARILLO, TX 79101 | STANDARD SECURITY LIFE INSURANCE COMPANY | $192 | — | $192 | 0.41% |
| NEELY, CRAIG & WALTON-BENEFITS DEPT3 | 15 MEDICAL DRIVE AMARILLO, TX 79106 | ACE AMERICAN INSURANCE COMPANY | $4K | — | $4K | 12.03% |
| NEELY CRAIG & WALTON LLP3 Filed as: NEELY, CRAIG & WALTON- BENEFITS DEP | 15 MEDICAL DRIVE AMARILLO, TX 79106 | ACE USA GROUP | $2K | — | $2K | 9.33% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| INSURANCE MANAGEMENT SERVICES EIN 75-2355889 THIRD PARTY ADMINISTRATOR | Claims processing Service code 12 | 731 N. TAYLOR AMARILLO, TX 79107 | $173K |
| NCW INSURANCE EIN 75-2406160 INSURANCE AGENT | Insurance agents and brokers Service code 22 | PO BOX 506 AMARILLO, TX 79105 | $62K |
| MICHELLE FUQUA-BRYSON INSURANCE AGENT | Insurance agents and brokers Service code 22 | 410 S TAYLOR STE 1100 806-350-6660 AMARILLO, TX 79101 | $7K |
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 | 272 | 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) | 272 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | INTERMEDIARY INSURANCE SERVICES INC | 272 | $506K |
| Dental(2 contracts) | SELECT BENEFITS GROUP INC., DBA DENTAL SELECT | 218 | $194K |
| Vision(2 contracts, 2 carriers) | ACE AMERICAN INSURANCE COMPANY | 207 | $52K |
| Life insurance(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 287 | $127K |
| Short-term disability | DEARBORN NATIONAL LIFE INSURANCE COMPANY | 287 | $17K |
| Prescription drug | INTERMEDIARY INSURANCE SERVICES INC | 272 | $506K |
| Other(4 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 287 | $229K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 287 | — |
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.
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
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.