| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BOYD SHACKELFORD AND BARNETT LLC3 | 5800 GRANITE PARKWAY, STE 350 PLANO, TX 75024 | RELIANCE STANDARD LIFE INSURANCE CO | $12K | — | $12K | 10.00% |
| AVANT SPECIALTY BENEFITS LLC3 | 1828 WALNUT STREET, STE 801 KANSAS CITY, MO 64108 | RELIANCE STANDARD LIFE INSURANCE CO | $4K | — | $4K | 3.00% |
| BOYD SHACKELFORD AND BARNETT LLC3 | 5800 GRANITE PARKWAY, STE 350 PLANO, TX 75024 | RELIANCE STANDARD LIFE INSURANCE CO | $6K | — | $6K | 8.70% |
| AVANT SPECIALTY BENEFITS LLC3 | 1828 WALNUT STREET, STE 801 KANSAS CITY, MO 64108 | RELIANCE STANDARD LIFE INSURANCE CO | $2K | — | $2K | 2.61% |
| RELATION INSURANCE SERVICES OF CA3 Filed as: RELATION INSURANCE SERVICES INC DBA | SLEEPER SEWELL INSURANCE 12400 COIT ROAD SUITE 1100 DALLAS, TX 752512039 | RELIANCE STANDARD LIFE INSURANCE CO | $1K | — | $1K | 1.44% |
| BOYD SHACKELFORD AND BARNETT LLC3 | 5800 GRANITE PARKWAY, STE 350 PLANO, TX 75024 | RELIANCE STANDARD LIFE INSURANCE CO | $724 | — | $724 | 8.81% |
| AVANT SPECIALTY BENEFITS LLC3 | 1828 WALNUT STREET, STE 801 KANSAS CITY, MO 64108 | RELIANCE STANDARD LIFE INSURANCE CO | $217 | — | $217 | 2.64% |
| RELATION INSURANCE SERVICES OF CA3 Filed as: RELATION INSURANCE SERVICES INC DBA | SLEEPER SEWELL INSURANCE 12400 COIT ROAD, SUITE 1100 DALLAS, TX 752512039 | RELIANCE STANDARD LIFE INSURANCE CO | $97 | — | $97 | 1.18% |
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 | 1,060 | 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) | 1,060 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF TEXAS | 1,060 | $6.1M |
| Dental | BLUE CROSS BLUE SHIELD OF TEXAS | 815 | $306K |
| Life insurance | RELIANCE STANDARD LIFE INSURANCE CO | 636 | $70K |
| Long-term disability | RELIANCE STANDARD LIFE INSURANCE CO | 685 | $118K |
| Prescription drug | BLUE CROSS BLUE SHIELD OF TEXAS | 1,060 | $6.1M |
| Other(3 contracts, 2 carriers) | RELIANCE STANDARD LIFE INSURANCE CO | 636 | $134K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,060 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
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.