| 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 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $40K | — | $40K | 10.92% |
| CENTERSTONE INSURANCE AND FINANCIAL3 Filed as: CENTERSTONE INS AGENCY & FIN SVCS | 12404 PARK CENTRAL DR. STE 4005 DALLAS, TX 75251 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | — | $14K | $14K | 3.72% |
| A. G. INSURANCE AGENCIES,INC.3 Filed as: AG INSURANCE AGENCIES, INC. | 6100 WESTERN PLACE STE. 350 FORT WORTH, TX 76107 | PRINCIPAL LIFE INSURANCE COMPANY | $8K | — | $8K | 10.38% |
| CENTERSTONE INSURANCE AND FINANCIAL3 Filed as: CENTERSTONE INS AGENCY & FIN SVCS | 12404 PARK CENTRAL DR. STE 4005 DALLAS, TX 75251 | PRINCIPAL LIFE INSURANCE COMPANY | $2K | $2K | $5K | 6.41% |
| A. G. INSURANCE AGENCIES,INC.3 Filed as: A G INSURANCE AGENCIES, INC. | 6100 WESTERN PLACE STE.350 FORT WORTH, TX 76107 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $8K | $575 | $8K | 21.19% |
| CENTERSTONE INSURANCE AND FINANCIAL3 Filed as: CENTERSTONE INS AGENCY & FIN SVCS | 12404 PARK CENTRAL DR. STE 400S DALLAS, TX 75251 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $2K | — | $2K | 4.94% |
| A. G. INSURANCE AGENCIES,INC.3 Filed as: A G INSURANCE AGENCIES, INC. | 6100 WESTERN PLACE STE.350 FORT WORTH, TX 76107 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $5K | $385 | $6K | 21.09% |
| CENTERSTONE INSURANCE AND FINANCIAL3 Filed as: CENTERSTONE INS AGENCY & FIN SVCS | 12404 PARK CENTRAL DR. STE 400S DALLAS, TX 75251 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $1K | — | $1K | 4.92% |
| A. G. INSURANCE AGENCIES,INC.3 Filed as: A G INSURANCE AGENCIES, INC. | 6100 WESTERN PLACE STE.350 FORT WORTH, TX 76107 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $3K | $239 | $3K | 21.34% |
| CENTERSTONE INSURANCE AND FINANCIAL3 Filed as: CENTERSTONE INS AGENCY & FIN SVCS | 12404 PARK CENTRAL DR. STE 400S DALLAS, TX 75251 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $800 | — | $800 | 4.97% |
| A. G. INSURANCE AGENCIES,INC.3 Filed as: AG INSURANCE AGENCIES, INC. | 6100 WESTERN PLACE STE. 350 FORT WORTH, TX 76107 | VISION SERVICE PLAN | $861 | — | $861 | 6.54% |
| CENTERSTONE INSURANCE AND FINANCIAL3 Filed as: CENTERSTONE INS AGENCY & FIN SVCS | 12404 PARK CENTRAL DR. STE 4005 DALLAS, TX 75251 | VISION SERVICE PLAN | $656 | — | $656 | 4.98% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| CIGNA EIN 59-1031071 AFFILIATED COMPANIES | Direct payment from the plan; Float revenue; Other services; Contract Administrator; Participant communication; Named fiduciary; Non-monetary compensation; Claims processing Service code 12 | — | $0 |
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 | 96 | 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) | 96 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 96 | $367K |
| Dental | PRINCIPAL LIFE INSURANCE COMPANY | 229 | $73K |
| Vision | VISION SERVICE PLAN | 93 | $13K |
| Life insurance | UNUM LIFE INSURANCE COMPANY OF AMERICA | 108 | $40K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 48 | $16K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 108 | $40K |
| Other(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 108 | $67K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 229 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.