| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| IMS MARKETING, INC.5 | 731 N TAYLOR ST AMARILLO, TX 79107 | UNITED HEALTHCARE INSURANCE COMPANY | $2K | — | $2K | 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 ST AMARILLO, TX 79107 | $95K |
| HIGGINBOTHAM EIN 75-1732559 INSURANCE AGENT | Insurance agents and brokers Service code 22 | 500 W. 13TH STREET FORT WORTH, TX 76102 | $30K |
| CONNECT BENEFIT EIN 84-3887204 RX MANAGEMENT | Other services Service code 49 | 5930 E 31ST ST SUITE 305 TULSA, OK 74135 | $15K |
| EHIM EIN 38-2776173 RX MANAGEMENT | Other services Service code 49 | 26711 NORTHWESTERN HWY SOUTHFIELD, MI 48033 | $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 | 150 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 150 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | INTERMEDIARY INSURANCE SERVICES, INC. | 150 | $286K |
| Prescription drug | INTERMEDIARY INSURANCE SERVICES, INC. | 150 | $286K |
| Other | UNITED HEALTHCARE INSURANCE COMPANY | 150 | $16K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 150 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.