| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| A. G. INSURANCE AGENCIES,INC.3 Filed as: AG INSURANCE AGENCIES, INC. | 6100 WESTERN PLACE STE. 350 FORT WORTH, TX 76107 | BLUE CROSS AND BLUE SHIELD OF TEXAS | $40K | $952 | $41K | 2.71% |
| CENTERSTONE INSURANCE AND FINANCIAL3 Filed as: CENTERSTONE INS AGCY & FIN SVCS | 12404 PARK CENTRAL DR. STE 400 S DALLAS, TX 752511800 | BLUE CROSS AND BLUE SHIELD OF TEXAS | $12K | $279 | $12K | 0.77% |
| A. G. INSURANCE AGENCIES,INC.3 Filed as: AG INSURANCE AGENCIES, INC. | 6100 WESTERN PLACE STE. 801 FORT WORTH, TX 761074695 | METROPOLITAN LIFE INSURANCE COMPANY | $10K | $2K | $12K | 11.50% |
| CENTERSTONE INSURANCE AND FINANCIAL3 Filed as: CENTERSTONE INS AGENCY & FIN SVCS | 12404 PARK CENTRAL DR. STE 400S DALLAS, TX 752511814 | METROPOLITAN LIFE INSURANCE COMPANY | $5K | $13 | $5K | 4.61% |
| A. G. INSURANCE AGENCIES,INC.3 Filed as: A G INSURANCE AGENCIES, INC. | 6100 WESTERN PLACE STE.801 FORT WORTH, TX 76107 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $6K | $1K | $7K | 11.75% |
| CENTERSTONE INSURANCE AND FINANCIAL3 Filed as: CENTERSTONE INSURANCE & FINANCIA | 12404 PARK CENTRAL DR. STE 400S DALLAS, TX 75251 | UNUM LIFE INSURANCE COMPANY OF AMERICA | — | $3K | $3K | 5.00% |
| A. G. INSURANCE AGENCIES,INC.3 Filed as: AG INSURANCE AGENCIES INC | 6100 WESTERN PLACE STE. 1075 FORT WORTH, TX 76107 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $7K | — | $7K | 20.00% |
| CENTERSTONE INSURANCE AND FINANCIAL3 Filed as: CENTERSTONE INS AND FINANCIAL | 12404 PARK CENTRAL DR. STE. 400S DALLAS, TX 75251 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $2K | — | $2K | 5.00% |
| OPES ONE ADVISORS LLC3 Filed as: OPES ONE ADVISORS, LLC | 15303 DALLAS PKWY #550 ADDISON, TX 75001 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $74 | — | $74 | 0.20% |
| A. G. INSURANCE AGENCIES,INC.3 Filed as: A G INSURANCE AGENCIES, INC. | 6100 WESTERN PLACE STE.801 FORT WORTH, TX 76107 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $4K | $612 | $4K | 11.75% |
| CENTERSTONE INSURANCE AND FINANCIAL3 Filed as: CENTERSTONE INSURANCE & FINANC | 12404 PARK CENTRAL DR. STE 400S DALLAS, TX 75251 | UNUM LIFE INSURANCE COMPANY OF AMERICA | — | $2K | $2K | 5.00% |
| A. G. INSURANCE AGENCIES,INC.3 Filed as: AG INSURANCE AGENCIES, INC. | 12404 PARK CENTRAL DR., SUITE DALLAS, TX 75251 | VISION SERVICE PLAN | $1K | — | $1K | 5.79% |
| CENTERSTONE INSURANCE AND FINANCIAL3 Filed as: CENTERSTONE INS & FIN SVCS | 12404 PARK CENTRAL DR. STE 400 DALLAS, TX 752511800 | VISION SERVICE PLAN | $706 | — | $706 | 4.00% |
| EMPLOYEE NAVIGATOR, LLC4 | 7979 OLD GEORGETOWN RD, STE 300 BETHESDA, MD 208142554 | VISION SERVICE PLAN | $68 | — | $68 | 0.39% |
| A. G. INSURANCE AGENCIES,INC.3 Filed as: A G INSURANCE AGENCIES, INC. | 6100 WESTERN PLACE STE.801 FORT WORTH, TX 76107 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $2K | $298 | $2K | 11.75% |
| CENTERSTONE INSURANCE AND FINANCIAL3 Filed as: CENTERSTONE INSURANCE & FINANC | 12404 PARK CENTRAL DR. STE 400S DALLAS, TX 75251 | UNUM LIFE INSURANCE COMPANY OF AMERICA | — | $851 | $851 | 5.00% |
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 | 100 | 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) | 100 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS AND BLUE SHIELD OF TEXAS | 287 | $1.5M |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 460 | $107K |
| Vision | VISION SERVICE PLAN | 101 | $18K |
| Life insurance(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 105 | $95K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 32 | $17K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 105 | $60K |
| Other(3 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 105 | $132K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 460 | — |
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.