| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| WEST TEXAS INSURANCE EXCHANGE3 | 1000 MAPLE AVE ODESSA, TX 79761 | US BENEFITS | — | $65K | $65K | 11.20% |
| INSURANCE MANAGEMENT SERVICES5 | 731 N TAYLOR AMARILLO, TX 79107 | US BENEFITS | — | $32K | $32K | 5.52% |
| WEST TEXAS INSURANCE EXCHANGE3 Filed as: WEST TEXAS INS EXCHANGE INC | 1000 MAPLE AVE ODESSA, TX 79761 | AMERITAS LIFE INSURANC CORP | $9K | — | $9K | 5.21% |
| INTUITIVE SOLUTIONS3 Filed as: INTUITIVE SOL COMM INS & WEALTH STR | 2101 W WADLEY AVE STE 201 MIDLAND, TX 79705 | AMERITAS LIFE INSURANC CORP | $6K | — | $6K | 3.54% |
| INSURANCE MANAGEMENT SERVICES5 | 731 N TAYLOR AMARILLO, TX 79107 | AIG LIFE | $6K | — | $6K | 10.00% |
| 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 | $174K |
| WEST TEXAS INSURANCE EXCHANGE EIN 75-2541356 INSURANCE AGENT | Insurance agents and brokers Service code 22 | 1000 MAPLE AVE ODESSA, TX 79761 | $109K |
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 | 361 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 361 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | US BENEFITS | 361 | $579K |
| Vision | AMERITAS LIFE INSURANC CORP | 391 | $180K |
| Prescription drug | US BENEFITS | 361 | $579K |
| Other | AIG LIFE | 361 | $58K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 391 | — |
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.