| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ROBERT G. RELPH AGENCY, INC.3 Filed as: ROBERT DAVID DAVIDSON | 6505 TIMBER WOLFE TR PLANO, TX 75093 | STANDARD INSURANCE COMPANY | $18K | $4K | $22K | 10.15% |
| CENTERSTONE INSURANCE AND FINANCIAL3 Filed as: CENTERSTONE INS FIN SERVICE | 6200 CANOGA AVE #300 WOODLAND HILLS, CA 91367 | STANDARD INSURANCE COMPANY | $9K | — | $9K | 4.20% |
| NEW BENEFITS3 Filed as: NEW BENEFITS, LTD | 14240 PROTON RD DALLAS, TX 75244 | STANDARD INSURANCE COMPANY | $0 | $4K | $4K | 1.68% |
| ROBERT DAVIDSON3 | 6505 TIMBER WOLFE TR PLANO, TX 75093 | STANDARD INSURANCE COMPANY | $20K | $10K | $30K | 20.91% |
| CENTERSTONE INSURANCE AND FINANCIAL3 Filed as: CENTERSTONE INS FIN SERVICE | 6200 CANOGA AVE #300 WOODLAND HILLS, CA 91367 | STANDARD INSURANCE COMPANY | $7K | — | $7K | 4.59% |
| SMI TRS OPCO3 Filed as: SMI TRO OPCO | 17330 PRESTON ROAD STE 220A DALLAS, TX 75252 | STANDARD INSURANCE COMPANY | $0 | $4K | $4K | 2.94% |
| ROBERT DAVIDSON3 | 6505 TIMBER WOLFE TR PLANO, TX 75093 | STANDARD INSURANCE COMPANY | $16K | $8K | $25K | 21.06% |
| CENTERSTONE INSURANCE AND FINANCIAL3 Filed as: CENTERSTONE INS FIN SERVICE | 6200 CANOGA AVE #300 WOODLAND HILLS, CA 91367 | STANDARD INSURANCE COMPANY | $5K | — | $5K | 4.60% |
| SMI TRS OPCO3 | 17330 PRESTON ROAD STE 220A DALLAS, TX 75252 | STANDARD INSURANCE COMPANY | $0 | $3K | $3K | 2.75% |
| ROBERT DAVIDSON3 | 6505 TIMBER WOLFE TR PLANO, TX 75093 | STANDARD INSURANCE COMPANY | $13K | $7K | $20K | 21.06% |
| CENTERSTONE INSURANCE AND FINANCIAL3 Filed as: CENTERSTONE INS FIN SERVICE | 6200 CANOGA AVE #300 WOODLAND HILLS, CA 91367 | STANDARD INSURANCE COMPANY | $4K | — | $4K | 4.60% |
| SMI TRS OPCO3 | 17330 PRESTON ROAD STE 220A DALLS, TX 75252 | STANDARD INSURANCE COMPANY | $0 | $3K | $3K | 2.72% |
| ROBERT DAVIDSON3 | 6505 TIMBER WOLFE TR PLANO, TX 75093 | STANDARD INSURANCE COMPANY | $18K | $12K | $29K | 32.69% |
| CENTERSTONE INSURANCE AND FINANCIAL3 Filed as: CENTERSTONE INS FIN SERVICE | 6200 CANOGA AVE #300 WOODLAND HILLS, CA 91367 | STANDARD INSURANCE COMPANY | $5K | — | $5K | 5.15% |
| ROBERT DAVIDSON3 | 6505 TIMBER WOLFE TR PLANO, TX 75093 | STANDARD INSURANCE COMPANY | $4K | $2K | $6K | 11.92% |
| CENTERSTONE INSURANCE AND FINANCIAL3 Filed as: CENTERSTONE INS FIN SERVICE | 6200 CANOGA AVE #300 WOODLAND HILLS, CA 91367 | STANDARD INSURANCE COMPANY | $2K | — | $2K | 4.20% |
| NEW BENEFITS3 Filed as: NEW BENEFITS, LTD | 14240 PROTON RD DALLAS, TX 75244 | STANDARD INSURANCE COMPANY | $0 | $816 | $816 | 1.68% |
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 | 680 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 5 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 685 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | STANDARD INSURANCE COMPANY | 511 | $215K |
| Vision | STANDARD INSURANCE COMPANY | 426 | $49K |
| Life insurance | STANDARD INSURANCE COMPANY | 733 | $143K |
| Short-term disability(2 contracts) | STANDARD INSURANCE COMPANY | 759 | $238K |
| Long-term disability | STANDARD INSURANCE COMPANY | 757 | $117K |
| Other | STANDARD INSURANCE COMPANY | 733 | $143K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 759 | — |
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.