| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| FAIRLY CONSULTING GROUP LLC3 | 1800 S WASHINGTON ST STE 400 AMARILLO, TX 791022668 | UNITED HEALTHCARE INSURANCE COMPANY | $0 | $8K | $8K | 6.64% |
| FAIRLY CONSULTING GROUP LLC Filed as: FAIRLY CONSULTING GROUP, LLC | PO BOX 1149 AMARILLO, TX 79105 | AFLAC | $2K | $0 | $2K | 11.14% |
| TRAVIS GEORGE REEDY | 22420 S BLESSEN RD CANYON, TX 79015 | AFLAC | $782 | $169 | $951 | 6.82% |
| GUADALUPE J PESINA | 117 CATALPA ST HEREFORD, TX 79045 | AFLAC | $721 | $95 | $816 | 5.85% |
| PHILLIP K WISE | 4904 PRIVATE ROAD 1305 APT C LUBBOCK, TX 79407 | AFLAC | $568 | $196 | $764 | 5.48% |
| JAVIER ANTONIO JAIMES | 3908 DURHAM DR AMARILLO, TX 79118 | AFLAC | $177 | $0 | $177 | 1.27% |
| CHRYSTAL MARTINEZ | 6400 BELL ST APT 6102 AMARILLO, TX 79109 | AFLAC | $132 | $8 | $140 | 1.00% |
| JOHN W MEECH | 23000 ARNOT RD CANYON, TX 79015 | AFLAC | $112 | $11 | $123 | 0.88% |
| KELLY GRAYLESS | 6600 HOPE RD AMARILLO, TX 79119 | AFLAC | $112 | $8 | $120 | 0.86% |
| PHILLIP K WISE | PO BOX 174 WOLFFORTH, TX 79382 | AFLAC | $90 | $0 | $90 | 0.65% |
| KRISTINA CASTLEBERRY | 4624 S TRAVIS ST AMARILLO, TX 79110 | AFLAC | $43 | $0 | $43 | 0.31% |
| CHRISTINA MADRIGAL | 208 RAYMOND ST HEREFORD, TX 79045 | AFLAC | $10 | $0 | $10 | 0.07% |
| RICARDO HERNANDZ GUZMAN | 5309 MATADOR TRL AMARILLO, TX 79109 | AFLAC | $5 | $0 | $5 | 0.04% |
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 | 31 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 31 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITED HEALTHCARE INSURANCE COMPANY | 31 | $117K |
| Dental | AFLAC | 32 | $14K |
| Vision | AFLAC | 32 | $14K |
| Life insurance | AFLAC | 32 | $14K |
| Short-term disability | AFLAC | 32 | $14K |
| Other | AFLAC | 32 | $14K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 32 | — |
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.