| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| INSURANCE MANAGEMENT SERVICES5 | 731 N TAYLOR AMARILLO, TX 79107 | INTERMEDIARY INSURANCE SERVICES INC | — | $11K | $11K | 6.78% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF TEXAS, INC. | 1800 WASHINGTON, STE 400 AMARILLO, TX 79102 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $5K | — | $5K | 6.91% |
| HIGGINBOTHAM INS AGENCY INC3 Filed as: HIGGINBOTHAM INSURANCE AGANCY INC | 500 W 13TH ST FT WORTH, TX 76102 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $1K | $338 | $2K | 2.23% |
| FAIRLY CONSULTING GROUP LLC3 | 1800 S WASHINGTON ST STE 400 AMARILLO, TX 791022668 | METROPOLITAN LIFE INSURANCE COMPANY | $2K | $28 | $2K | 4.63% |
| HIGGINBOTHAM INS AGENCY INC3 | 500 W 13TH ST FT WORTH, TX 761024657 | METROPOLITAN LIFE INSURANCE COMPANY | $339 | — | $339 | 0.79% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF TEXAS | PO BOX 731739 DALLAS, TX 753731739 | METROPOLITAN LIFE INSURANCE COMPANY | — | $42 | $42 | 0.10% |
No Schedule C service providers reported on this filing.
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 | 127 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 127 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | INTERMEDIARY INSURANCE SERVICES INC | 127 | $156K |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 168 | $43K |
| Life insurance | UNUM LIFE INSURANCE COMPANY OF AMERICA | 132 | $70K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 132 | $70K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 132 | $70K |
| Prescription drug | INTERMEDIARY INSURANCE SERVICES INC | 127 | $156K |
| Other | UNUM LIFE INSURANCE COMPANY OF AMERICA | 132 | $70K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 168 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.