| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| M3 INS SOLUTIONS INC3 Filed as: AG INS AGENCIES INC | — | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $41K | — | $41K | 11.82% |
| CENTERSTONE INSURANCE AND FINANCIAL3 Filed as: CENTERSTONE INS AGCY & FIN SVCS | — | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $16K | — | $16K | 4.73% |
| A. G. INSURANCE AGENCIES,INC.3 Filed as: A.G. INSURANCE AGENCIES, INC. | — | ACE AMERICAN INSURANCE COMPANY | $8K | — | $8K | 10.00% |
| A. G. INSURANCE AGENCIES,INC.3 Filed as: A G INSURANCE AGENCIES INC | 6100 WESTERN PLACE STE 350 FT WORTH, TX 76107 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $6K | — | $6K | 12.90% |
| KAREN TYLER-DUNN3 | 714 SEYMOUR DR FRISCO, TX 75033 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $4K | $134 | $4K | 9.96% |
| CHRISTOPHER D TYLER3 | 714 SEYMOUR DR FRISCO, TX 75033 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $3K | $403 | $3K | 7.35% |
| ERNESTO ELOY GARCIA3 | 2600 YORKSHIRE ST IRVING, TX 75061 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2K | $741 | $2K | 5.65% |
| PENELOPE ROSAS3 | 1521 SUNFLOWER DR ALLEN, TX 75002 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $683 | $145 | $828 | 1.89% |
| JULIAN OLALDE3 | 10935 ESTATE LN DALLAS, TX 75238 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $163 | $4 | $167 | 0.38% |
| RICHARD DAVID BAIRD3 | 2111 E. BELT LINE RD RICHARDSON, TX 75081 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $128 | — | $128 | 0.29% |
| LASHANDRA HOOKS3 | 800 MONTROSE TRAIL DESOTO, TX 75115 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $89 | $6 | $95 | 0.22% |
| BOBBIE JO WORSHAM3 | 8903 APLAMADO DR MCKINNEY, TX 75070 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $88 | — | $88 | 0.20% |
| A. G. INSURANCE AGENCIES,INC.3 Filed as: A G INSURANCE AGENCIES INC | 6100 WESTERN PLACE STE 350 FT WORTH, TX 76107 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $5K | — | $5K | 17.50% |
| CHRISTOPHER D TYLER3 | 714 SEYMOUR DR FRISCO, TX 75033 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $3K | $493 | $4K | 12.46% |
| KAREN TYLER-DUNN3 | 714 SEYMOUR DR FRISCO, TX 75033 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $3K | $95 | $3K | 9.32% |
| PENELOPE ROSAS3 | 1521 SUNFLOWER DR ALLEN, TX 75002 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1K | $283 | $2K | 5.29% |
| ERNESTO ELOY GARCIA3 | 2600 YORKSHIRE ST IRVING, TX 75061 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $397 | $152 | $549 | 1.80% |
| JULIAN OLALDE3 | 10935 ESTATE LN DALLAS, TX 75238 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $451 | $11 | $462 | 1.51% |
| ALBERTO VALENZUELA3 | 3108 ROUNDTREE LN GARLAND, TX 75044 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $198 | — | $198 | 0.65% |
| LASHANDRA HOOKS3 | 800 MONTROSE TRAIL DESOTO, TX 75115 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $155 | $11 | $166 | 0.54% |
| BOBBIE JO WORSHAM3 | 8903 APLAMADO DR MCKINNEY, TX 75070 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $66 | — | $66 | 0.22% |
| ROBERT SCOTT PIERCE3 | 609 ROUEN DR MCKINNEY, TX 75070 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $15 | $7 | $22 | 0.07% |
| DAWN T SUCHECKI3 Filed as: DAWN RENEE MORGAN | 6413 DUNMOOR DR PLANO, TX 75093 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $15 | $4 | $19 | 0.06% |
| A. G. INSURANCE AGENCIES,INC.3 Filed as: A.G. INSURANCE AGENCIES, INC. | — | ACE AMERICAN INSURANCE COMPANY | $2K | — | $2K | 10.00% |
| JIM GOLDSWORTHY3 | 113 E CALIFORNIA ST. GAINESVILLE, TX 76240 | STATE FARM LIFE INSURANCE COMPANY | $488 | — | $488 | 3.49% |
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 | 185 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 186 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 186 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 557 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 170 | $344K |
| Dental | ACE AMERICAN INSURANCE COMPANY | 140 | $79K |
| Vision | ACE AMERICAN INSURANCE COMPANY | 106 | $16K |
| Life insurance | STATE FARM LIFE INSURANCE COMPANY | 137 | $14K |
| Other(2 contracts) | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 69 | $74K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 170 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.