| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| INTUITIVE SOLUTIONS3 | 2101 W WADLEY AVE STE 201 MIDLAND, TX 79705 | PARETO UNDERWRITING PARTNERS LLC | — | $68K | $68K | 12.67% |
| INSURANCE MANAGEMENT SERVICES5 | 731 N TAYLOR AMARILLO, TX 79107 | PARETO UNDERWRITING PARTNERS LLC | — | $34K | $34K | 6.32% |
| 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% |
| INTUITIVE SOLUTIONS3 | 2101 W WADLEY AVE STE 201 MIDLAND, TX 79705 | HARTFORD LIFE INSURANCE COMPANY | $13K | — | $13K | 14.42% |
| INSURANCE MANAGEMENT SERVICES5 | 731 N TAYLOR AMARILLO, TX 79107 | HARTFORD LIFE INSURANCE COMPANY | $5K | — | $5K | 5.00% |
| INSURANCE MANAGEMENT SERVICES5 | 731 N TAYLOR AMARILLO, TX 79107 | HCC LIFE INSURANCE COMPANY | $5K | — | $5K | 10.02% |
| 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 | $179K |
| INTUITIVE SOLUTIONS EIN 83-4444518 INSURANCE AGENT | Insurance agents and brokers Service code 22 | 2101 W WADLEY AVE STE 201 MIDLAND, TX 79705 | $127K |
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 | 259 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 259 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | PARETO UNDERWRITING PARTNERS LLC | 259 | $536K |
| Vision | AMERITAS LIFE INSURANC CORP | 259 | $180K |
| Life insurance | HARTFORD LIFE INSURANCE COMPANY | 281 | $92K |
| Prescription drug | PARETO UNDERWRITING PARTNERS LLC | 259 | $536K |
| Stop-loss / reinsurancereinsurance | PARETO UNDERWRITING PARTNERS LLC | 259 | $536K |
| Other(2 contracts, 2 carriers) | HARTFORD LIFE INSURANCE COMPANY | 281 | $145K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 281 | — |
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.
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.