| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| TANYA BOYD & ASSOCIATES, LLC3 Filed as: TANYA BOYD & ASSOCIATES, LLC. | PO BOX 1544 CANTON, TX 75103 | BLUE CROSS BLUE SHIELD OF TEXAS | $44K | $0 | $44K | 4.13% |
| TANYA BOYD & ASSOCIATES, LLC3 | PO BOX 1544 CANTON, TX 75103 | GUARDIAN | $8K | — | $8K | 6.14% |
| CENTERSTONE INSURANCE AND FINANCIAL3 Filed as: CENTERSTONE INS AND FINANCIAL | 12404 PARK CENTRAL DRIVE SUITE 400S DALLAS, TX 75251 | GUARDIAN | $6K | $0 | $6K | 4.56% |
| SEQUOIA BENEFITS & INS SVCS LLC3 Filed as: SEQUOIA BENEFITS & INS SVCS, LLC | 209 W COLLEGE ST MESQUITE, TX 75149 | GUARDIAN | $1K | — | $1K | 1.10% |
| OPES ONE ADVISORS LLC3 Filed as: OPES ONE ADVISORS, LLC | 15303 NORTH DALLAS PARKWAY SUITE 550 ADDISON, TX 75001 | GUARDIAN | $34 | — | $34 | 0.03% |
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 | 116 | 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) | 116 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF TEXAS | 157 | $1.1M |
| Dental | GUARDIAN | 103 | $132K |
| Vision | GUARDIAN | 103 | $132K |
| Life insurance | GUARDIAN | 103 | $132K |
| Short-term disability | GUARDIAN | 103 | $132K |
| Long-term disability | GUARDIAN | 103 | $132K |
| Other | GUARDIAN | 103 | $132K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 157 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.