| 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 | $26K | — | $26K | 11.68% |
| CENTERSTONE INSURANCE AND FINANCIAL3 Filed as: CENTERSTONE INS FIN SERVICE | 6200 CANOGA AVE #300 WOODLAND HILLS, CA 91367 | STANDARD INSURANCE COMPANY | $13K | — | $13K | 5.84% |
| CENTERSTONE INSURANCE AND FINANCIAL3 Filed as: CENTERSTONE INS FIN SERVICE | 550 S CALDWELL ST FL 15 CHARLOTTE, NC 28202 | STANDARD INSURANCE COMPANY | $13K | — | $13K | 5.84% |
| CENTERSTONE INSURANCE AND FINANCIAL3 Filed as: CENTERSTONE INS FIN SERVICE | 12404 PARK CENTER DR STE 400S DALLAS, TX 75093 | STANDARD INSURANCE COMPANY | $13K | — | $13K | 5.84% |
| NEW BENEFITS3 Filed as: NEW BENEFITS, LTD | 14240 PROTON RD DALLAS, TX 75244 | STANDARD INSURANCE COMPANY | $0 | $5K | $5K | 2.34% |
| ROBERT DAVIDSON3 | 6505 TIMBER WOLFE TR PLANO, TX 75093 | STANDARD INSURANCE COMPANY | $26K | $7K | $33K | 18.91% |
| CENTERSTONE INSURANCE AND FINANCIAL3 Filed as: CENTERSTONE INS FIN SERVICE | 6200 CANOGA AVE #300 WOODLAND HILLS, CA 91367 | STANDARD INSURANCE COMPANY | $9K | — | $9K | 4.98% |
| CENTERSTONE INSURANCE AND FINANCIAL3 Filed as: CENTERSTONE INS FIN SERVICE | 550 S CALDWELL ST FL 15 CHARLOTTE, NC 28202 | STANDARD INSURANCE COMPANY | $9K | — | $9K | 4.98% |
| CENTERSTONE INSURANCE AND FINANCIAL3 Filed as: CENTERSTONE INS FIN SERVICE | 12404 PARK CENTER DR STE 400S DALLAS, TX 75251 | STANDARD INSURANCE COMPANY | $9K | — | $9K | 4.98% |
| ROBERT DAVIDSON3 | 6505 TIMBER WOLFE TR PLANO, TX 75093 | STANDARD INSURANCE COMPANY | $19K | $5K | $23K | 18.81% |
| CENTERSTONE INSURANCE AND FINANCIAL3 Filed as: CENTERSTONE INS FIN SERVICE | 6200 CANOGA AVE #300 WOODLAND HILLS, CA 91367 | STANDARD INSURANCE COMPANY | $6K | — | $6K | 4.95% |
| CENTERSTONE INSURANCE AND FINANCIAL3 Filed as: CENTERSTONE INS FIN SERVICE | 12404 PARK CENTER DR STE 400S DALLAS, TN 75251 | STANDARD INSURANCE COMPANY | $6K | — | $6K | 4.95% |
| CENTERSTONE INSURANCE AND FINANCIAL3 Filed as: CENTERSTONE INS FIN SERVICE | 550 S CALDWELL ST FL 15 CHARLOTTE, NC 28202 | STANDARD INSURANCE COMPANY | $6K | — | $6K | 4.95% |
| ROBERT DAVIDSON3 | 6505 TIMBER WOLFE TR PLANO, TX 75093 | STANDARD INSURANCE COMPANY | $15K | $4K | $19K | 18.81% |
| CENTERSTONE INSURANCE AND FINANCIAL3 Filed as: CENTERSTONE INS FIN SERVICE | 6200 CANOGA AVE #300 WOODLAND HILLS, CA 91367 | STANDARD INSURANCE COMPANY | $5K | — | $5K | 4.95% |
| CENTERSTONE INSURANCE AND FINANCIAL3 Filed as: CENTERSTONE INS FIN SERVICE | 550 S CALDWELL ST FL 15 CHARLOTTE, NC 28202 | STANDARD INSURANCE COMPANY | $5K | — | $5K | 4.95% |
| CENTERSTONE INSURANCE AND FINANCIAL3 Filed as: CENTERSTONE INS FIN SERVICE | 12404 PARK CENTER DR STE 400S DALLAS, TX 75251 | STANDARD INSURANCE COMPANY | $5K | — | $5K | 4.95% |
| ROBERT DAVIDSON3 | 6505 TIMBER WOLFE TR PLANO, TX 75093 | STANDARD INSURANCE COMPANY | $14K | $4K | $18K | 18.74% |
| CENTERSTONE INSURANCE AND FINANCIAL3 Filed as: CENTERSTONE INS FIN SERVICE | 6200 CANOGA AVE #300 WOODLAND HILLS, CA 91367 | STANDARD INSURANCE COMPANY | $5K | — | $5K | 4.93% |
| CENTERSTONE INSURANCE AND FINANCIAL3 Filed as: CENTERSTONE INS FIN SERVICE | 12404 PARK CENTER DR STE 400S DALLAS, TX 75251 | STANDARD INSURANCE COMPANY | $5K | — | $5K | 4.93% |
| CENTERSTONE INSURANCE AND FINANCIAL3 Filed as: CENTERSTONE INS FIN SERVICE | 550 S CALDWELL ST FL 15 CHARLOTTE, NC 28202 | STANDARD INSURANCE COMPANY | $5K | — | $5K | 4.93% |
| ROBERT DAVIDSON3 | 6505 TIMBER WOLFE TR PLANO, TX 75093 | STANDARD INSURANCE COMPANY | $6K | — | $6K | 12.57% |
| CENTERSTONE INSURANCE AND FINANCIAL3 Filed as: CENTERSTONE INS FIN SERVICE | 6200 CANOGA AVE #300 WOODLAND HILLS, CA 91367 | STANDARD INSURANCE COMPANY | $3K | — | $3K | 6.29% |
| CENTERSTONE INSURANCE AND FINANCIAL3 Filed as: CENTERSTONE INS FIN SERVICE | 550 S CALDWELL ST FL 15 CHARLOTTE, NC 28202 | STANDARD INSURANCE COMPANY | $3K | — | $3K | 6.29% |
| CENTERSTONE INSURANCE AND FINANCIAL3 Filed as: CENTERSTONE INS FIN SERVICE | 12404 PARK CENTER DR STE 400S DALLAS, TX 75251 | STANDARD INSURANCE COMPANY | $3K | — | $3K | 6.29% |
| NEW BENEFITS3 Filed as: NEW BENEFITS, LTD | 14240 PROTON RD DALLAS, TX 75244 | STANDARD INSURANCE COMPANY | $0 | $1K | $1K | 2.51% |
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 | 764 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 765 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | STANDARD INSURANCE COMPANY | 586 | $227K |
| Vision | STANDARD INSURANCE COMPANY | 459 | $48K |
| Life insurance | STANDARD INSURANCE COMPANY | 800 | $174K |
| Short-term disability | STANDARD INSURANCE COMPANY | 818 | $102K |
| Long-term disability | STANDARD INSURANCE COMPANY | 817 | $125K |
| Other | STANDARD INSURANCE COMPANY | 800 | $174K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 818 | — |
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.