| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| INSURANCE MANAGEMENT SERVICES5 | 731 N TAYLOR ST AMARILLO, TX 79107 | RELIASTAR LIFE INSURANCE COMPANY | — | $16K | $16K | 3.35% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| INSURANCE MANAGEMENT SERVICES EIN 75-2355889 TPA | Plan Administrator; Claims processing Service code 12 | 731 N TAYLOR ST AMARILLO, TX 79107 | $48K |
| SGL PARTNERS, LLC EIN 85-0599589 INSURANCE AGENT | Insurance agents and brokers Service code 22 | 500 W. 7TH ST. SUITE 501 FORT WORTH, TX 76102 | $46K |
| TELADOC DIRECT EIN 04-3705970 TELAMEDICINE | Other services Service code 49 | 1945 LAKEPOINTE DR. DALLAS, TX 75312 | $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 | 113 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 113 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | RELIASTAR LIFE INSURANCE COMPANY | 113 | $488K |
| Prescription drug | RELIASTAR LIFE INSURANCE COMPANY | 113 | $488K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 113 | — |
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."
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.