| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| INSOURCE INSURANCE GROUP, LLC3 | 5108 WAYLAND DRIVE ODESSA, TX 79762 | SUNLIFE ASSURANCE COMPANY OF CANADA | — | $99K | $99K | 14.49% |
| INSURANCE MANAGEMENT SERVICES5 Filed as: INSURANCE MANAGEMENT SERVICE | 731 N TAYLOR AMARILLO, TX 79107 | SUNLIFE ASSURANCE COMPANY OF CANADA | — | $22K | $22K | 3.28% |
| INSURANCE MANAGEMNT SERVICES5 | 731 N TAYLOR AMARILLO, TX 79107 | UNITED HEALTHCARE INSURANCE | $3K | — | $3K | 10.00% |
| INSOURCE INSURANCE GROUP, LLC3 Filed as: INSOURCE INSURANCE GROUP LLC | 1031 ANDREWS HWY #305 MIDLAND, TX 79701 | STANDARD INSURANCE COMPANY | $16K | — | $16K | — |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| INSURANCE MANAGEMENT SERVICES EIN 75-2355889 TPA | Claims processing; Plan Administrator Service code 12 | 731 N TAYLOR AMARILLO, TX 79107 | $120K |
| INSOURCE INSURANCE GROUP, LLC EIN 75-2722587 INSURANCE AGENT | Insurance agents and brokers Service code 22 | 5108 WAYLAND DR ODESSA, TX 79762 | $9K |
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 | 263 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 263 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | SUNLIFE ASSURANCE COMPANY OF CANADA | 263 | $681K |
| Life insurance | STANDARD INSURANCE COMPANY | 261 | $0 |
| Long-term disability | STANDARD INSURANCE COMPANY | 261 | $0 |
| Prescription drug | SUNLIFE ASSURANCE COMPANY OF CANADA | 263 | $681K |
| Other | UNITED HEALTHCARE INSURANCE | 263 | $34K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 263 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.