Form 5500 · Employee benefit plan · PHARR, TX
ROYAL FREIGHT, LP
The filing calls this plan ROYAL FREIGHT, LP HEALTH AND WELFARE PLAN.
Public Form 5500 records show how ROYAL FREIGHT, LP of PHARR, TX, a transportation and logistics employer, structures its employee benefits. Its broker of record is SHEPARD & WALTON LIFE INSURANCE. Coverage is written through BLUECROSS BLUESHIELD OF TEXAS and 2 other carriers. The plan's most recent policy period ended in November.
Sourced from U.S. DOL EFAST2 Form 5500 · EIN 91-2102956 · plan 501 · plan year 2025, filed May 15, 2026
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How this plan is funded
Fully insured as reported
The filing reports medical coverage through an insurance contract on Schedule A, and no money paid for benefits by the plan itself.
Benefits declared on this filing
Health: the largest of the 2 insured health contracts, with BLUECROSS BLUESHIELD OF TEXAS, covers 21 of 218 participants (9.6%) on Schedule A.
Also declared: other welfare.
Declared benefits are the plan’s own line 8b codes on Form 5500. “Not on Schedule A” means no insured contract for that line appears on this filing. That usually means the benefit is self-funded, or it sits under a different plan number.
Where a line has more than one insured contract, the carrier and the covered figure are the largest contract's by premium. The contracts are not added up: a pharmacy carve-out and the medical carrier beside it cover the same people.
Persons covered is the count the carrier filed for that policy at the end of its policy year, and it can include dependents. Participants is the plan's own count at the start of its plan year. The two count different people, so a covered figure can be larger.
Plan brief
Schedule A lists 3 insured contracts covering health, dental, vision and life.
Reported premium across the insured contracts is $286,887, with $28,028 in disclosed broker commissions — about 9.8% of premium.
The most recent policy period ended in November, and the plan year ends November 30. Group contracts typically renew on that annual cycle.
SHEPARD & WALTON LIFE INSURANCE is the broker of record on 1 of the 3 contracts; the rest name a different broker or none.
3 carriers appear on the filing, including BLUECROSS BLUESHIELD OF TEXAS, SUN LIFE ASSURANCE COMPANY OF CANADA and PRINCIPAL LIFE INSURANCE COMPANY. BLUECROSS BLUESHIELD OF TEXAS writes the largest contract by premium.
Schedule A insurance contracts
| Carrier | Benefits | Covered | Renews | Premium | Commission |
|---|---|---|---|---|---|
| SUN LIFE ASSURANCE COMPANY OF CANADA | Life | 186 | Dec 1, 2025 | $109,042 | $16,302 |
| BLUECROSS BLUESHIELD OF TEXAS | Health | 21 | Dec 1, 2025 | $158,159 | $9,730 |
| PRINCIPAL LIFE INSURANCE COMPANY | Health, Dental, Vision | 61 | Dec 1, 2025 | $19,686 | $1,996 |
Covered = persons covered at policy year end, as filed on Schedule A for that policy — often certificates or one class, not the whole plan. Premium = the filing’s own premium/charges figure; “—” means not credibly reported.
Administrator and service providers
The plan administrator is from line 3a of the main form. We publish company names only.
How this plan compares
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