| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| DKG INSURANCE AND FINANCIAL SERVICE3 | 12404 PARK CENTRAL DRIVE SUITE 400S DALLAS, TX 75251 | MEDICAL MUTUAL | $27K | — | $27K | 3.11% |
| DKG INSURANCE & FINANCIAL SERVICES3 Filed as: DKG INSURANCE & FINANCIAL SERV | 12404 PARK CENTRAL DRIVE SUITE 400S DALLAS, TX 75251 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $4K | — | $4K | 6.81% |
| CENTERSTONE INSURANCE AND FINANCIAL3 Filed as: CENTERSTONE INS AND FINANCIAL | 12404 PARK CENTRAL DRIVE SUITE #400S DALLAS, TX 75251 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $2K | — | $2K | 2.93% |
| CENTERSTONE INSURANCE AND FINANCIAL3 Filed as: CENTERSTONE INS AND FINANCIAL | 12404 PARK CENTRAL DRIVE SUITE #400S DALLAS, TX 75251 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $486 | — | $486 | 0.87% |
| LIFETIME FINANCIAL GROWTH OF C3 | — | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $38 | — | $38 | 0.07% |
| DKG INSURANCE & FINANCIAL SERVICES3 Filed as: DKG INSURANCE AND FIN SVCS INC | 12404 PARK CENTRAL DRIVE SUITE 400S DALLAS, TX 75251 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $3K | — | $3K | 12.18% |
| AMERICAN INSURNET AGENCY INC3 | 2640 BAYHILL COURT CINCINNATI, OH 45233 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $2K | $2K | 7.00% |
| DKG INSURANCE & FINANCIAL SERVICES3 Filed as: DKG INSURANCE AND FIN SVCS INC | 12404 PARK CENTRAL DRIVE SUITE 400S DALLAS, TX 75251 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $1K | — | $1K | 10.00% |
| AMERICAN INSURNET AGENCY INC3 | 2640 BAYHILL COURT CINCINNATI, OH 45233 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $706 | $706 | 7.00% |
| DKG INSURANCE & FINANCIAL SERVICES3 Filed as: DKG INSURANCE AND FIN SVCS INC | 12404 PARK CENTRAL DRIVE SUITE 400S DALLAS, TX 75251 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $1K | — | $1K | 19.99% |
| AMERICAN INSURNET AGENCY INC3 | 2640 BAYHILL COURT CINCINNATI, OH 45233 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $475 | $475 | 7.00% |
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 | 109 | 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) | 109 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | MEDICAL MUTUAL | 74 | $857K |
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 83 | $56K |
| Vision | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 83 | $56K |
| Life insurance(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 108 | $17K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 108 | $26K |
| Prescription drug | MEDICAL MUTUAL | 74 | $857K |
| Other(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 108 | $17K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 108 | — |
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."
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.