| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ANBTX INSURANCE SERVICES, INC.3 | 12400 COIT ROAD SUITE 1100 DALLAS, TX 752512039 | RELIANCE STANDARD LIFE INSURANCE CO | $9K | — | $9K | 10.00% |
| PROSENTIAL BENEFITS LLC3 Filed as: PROSENTIAL BENEFITS, LLC | 40 TIOGA WAY STE 30A MARBLEHEAD, MA 19045 | RELIANCE STANDARD LIFE INSURANCE CO | — | $2K | $2K | 2.30% |
| DMS INSURANCE AGENCY OF TEXAS LLC3 Filed as: DMS INSURANCE AGENCY OF TEXAS, LLC | 12400 COIT ROAD SUITE 1100 DALLAS, TX 752512039 | RELIANCE STANDARD LIFE INSURANCE CO | $8K | — | $8K | 10.00% |
| PROSENTIAL BENEFITS LLC3 Filed as: PROSENTIAL BENEFITS, LLC | 40 TIOGA WAY SUITE 30A MARBLEHEAD, MA 19045 | RELIANCE STANDARD LIFE INSURANCE CO | — | $983 | $983 | 1.17% |
| SLEEPER SEWELL INSURANCE3 | 12400 COIT ROAD SUITE 1100 DALLAS, TX 752512039 | RELIANCE STANDARD LIFE INSURANCE CO | $1K | — | $1K | 10.00% |
| PROSENTAL BENEFITS LLC3 Filed as: PROSENTAL BENEFITS, LLC | 40 TIOGA WAY STE 30A MARBLEHEAD, MA 19045 | RELIANCE STANDARD LIFE INSURANCE CO | — | $265 | $265 | 2.54% |
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 | 881 | 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) | 881 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF TEXAS | 881 | $3.7M |
| Dental | BLUE CROSS BLUE SHIELD OF TEXAS | 640 | $257K |
| Life insurance | RELIANCE STANDARD LIFE INSURANCE CO | 685 | $93K |
| Long-term disability | RELIANCE STANDARD LIFE INSURANCE CO | 696 | $84K |
| Prescription drug | BLUE CROSS BLUE SHIELD OF TEXAS | 881 | $3.7M |
| Other(2 contracts) | RELIANCE STANDARD LIFE INSURANCE CO | 685 | $104K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 881 | — |
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 comp is under 1% of premium on a >$1M plan. Plan may be flying solo or paying a flat fee — consultant sales target.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.