| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| AVANT SPECIALTY BENEFITS LLC3 Filed as: AVANT SPECIALTY BENEFITS | 1828 WALNUT STREET, SUITE 701 KANSAS CITY, KS 64108 | RELIASTAR LIFE INSURANCE COMPANY | $18K | $0 | $18K | 9.32% |
| HOLMES MURPHY & ASSOCIATES3 Filed as: HOLMES MURPHY & ASSOCIATES, LLC | 12712 PARK CENTRAL DRIVE, SUITE 100 DALLAS, TX 75251 | RELIASTAR LIFE INSURANCE COMPANY | $9K | $2K | $11K | 5.42% |
| CAPSTONE STRATEGIES LLC3 | 1002 WEST WALL STREET MIDLAND, TX 79701 | RELIASTAR LIFE INSURANCE COMPANY | $6K | $0 | $6K | 3.02% |
| CAPSTONE STRATEGIES LLC3 | 1002 WEST WALL STREET MIDLAND, TX 79701 | BLUE CROSS BLUE SHIELD OF TEXAS | $8K | $12K | $20K | 10.93% |
| HOLMES MURPHY & ASSOCIATES3 Filed as: HOLMES MURPHY & ASSOCIATES, LLC | 12712 PARK CENTRAL DRIVE, SUITE 100 DALLAS, TX 75251 | BLUE CROSS BLUE SHIELD OF TEXAS | $10K | $0 | $10K | 5.40% |
| CAPSTONE STRATEGIES LLC3 | 1002 WEST WALL STREET MIDLAND, TX 79701 | NATIONAL GUARDIAN LIFE INSURANCE COMPANY | $2K | $0 | $2K | 6.00% |
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 | 952 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 40 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 992 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | BLUE CROSS BLUE SHIELD OF TEXAS | 2,308 | $180K |
| Vision | NATIONAL GUARDIAN LIFE INSURANCE COMPANY | 790 | $27K |
| Life insurance | RELIASTAR LIFE INSURANCE COMPANY | 1,609 | $198K |
| Short-term disability | RELIASTAR LIFE INSURANCE COMPANY | 1,609 | $198K |
| Long-term disability | RELIASTAR LIFE INSURANCE COMPANY | 1,609 | $198K |
| Other | RELIASTAR LIFE INSURANCE COMPANY | 1,609 | $198K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,308 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.