| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MICHELLE FUQUA BRYSON3 Filed as: MICHELLE FUQUA | 410 S TAYLOR STE 1102 AMARILLO, TX 79101 | BLUE CROSS BLUE SHIELD OF TEXAS | $55K | $4K | $59K | 1.78% |
| FAIRLY CONSULTING GROUP LLC3 | 1800 S WASHINGTON ST 400 AMARILLO, TX 79102 | BLUE CROSS BLUE SHIELD OF TEXAS | $16K | — | $16K | 0.48% |
| FAIRLY GROUP3 | 410 S TAYLOR STE 1102 AMARILLO, TX 79101 | ACE AMERICAN INSURANCE COMPANY | $15K | — | $15K | 10.00% |
| MICHELLE FUQUA BRYSON3 Filed as: MICHELLE F BRYSON | 410 S TAYLOR STE 1102 AMARILLO, TX 79101 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $5K | — | $5K | 5.11% |
| MICHELLE FUQUA BRYSON3 Filed as: MICHELLE F BRYSON | 410 S TAYLOR STE 1102 AMARILLO, TX 79101 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $10K | — | $10K | 14.56% |
| NEELY CRAIG & WALTON LLP3 | PO BOX 506 AMARILLO, TX 79105 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $13K | — | $13K | 26.03% |
| FAIRLY GROUP3 | 410 S TAYLOR STE 1102 AMARILLO, TX 79101 | ACE AMERICAN INSURANCE COMPANY | $6K | — | $6K | 11.24% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| FUQUA-BRYSON BENEFITS GROUP EIN 75-2406160 INSURANCE AGENT | Insurance agents and brokers Service code 22 | 410 S TAYLOR STE 1100 AMARILLO, TX 79101 | $70K |
| FAIRLY GROUP INSURANCE AGENT | Insurance agents and brokers Service code 22 | 1800 S WASHINGTON STE 400 AMARILLO, TX 79102 | $37K |
| NEELY CRAIG & WALTON LLP INSURANCE AGENT | Insurance agents and brokers Service code 22 | PO BOX 506 AMARILLO, TX 79105 | $13K |
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 | 376 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 378 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF TEXAS | 940 | $3.3M |
| Dental | ACE AMERICAN INSURANCE COMPANY | 236 | $155K |
| Vision | ACE AMERICAN INSURANCE COMPANY | 283 | $49K |
| Life insurance(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 436 | $163K |
| Short-term disability | DEARBORN NATIONAL LIFE INSURANCE COMPANY | 409 | $48K |
| Prescription drug | BLUE CROSS BLUE SHIELD OF TEXAS | 940 | $3.3M |
| Other(3 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 436 | $213K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 940 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.