| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| RELATION INSURANCE SERVICES OF CA3 Filed as: RELATION INSURANCE SERVICES INC. | — | BLUECROSS BLUESHIELD OF TEXAS | $36K | $1K | $37K | 4.08% |
| RELATION INSURANCE SERVICES OF CA3 Filed as: RELATION INSURANCE SERVICES INC. | 10425 S 82ND E AVE STE 110 TULSA, OK 74133 | DEARBORN LIFE INSURANCE COMPANY | $26K | $7K | $33K | 19.32% |
| RELATION INSURANCE SERVICES OF CA3 Filed as: RELATION INSURANCE SERVICES INC. | 503 MED CT STE 103 SAN ANTONIO, TX 78258 | AMERITAS LIFE INSURANCE CORP | $8K | — | $8K | 10.00% |
| CENTRO BENEFITS RESEARCH LLC3 | 24500 CHAGRIN BLVD STE 365 BEACHWOOD, OH 44122 | AMERITAS LIFE INSURANCE CORP | $4K | — | $4K | 4.70% |
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 | 252 | 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) | 252 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUECROSS BLUESHIELD OF TEXAS | 145 | $907K |
| Dental | AMERITAS LIFE INSURANCE CORP | 237 | $81K |
| Vision | AMERITAS LIFE INSURANCE CORP | 237 | $81K |
| Life insurance | DEARBORN LIFE INSURANCE COMPANY | 109 | $171K |
| Short-term disability | DEARBORN LIFE INSURANCE COMPANY | 109 | $171K |
| Long-term disability | DEARBORN LIFE INSURANCE COMPANY | 109 | $171K |
| Other(2 contracts, 2 carriers) | DEARBORN LIFE INSURANCE COMPANY | 252 | $190K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 252 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.