| 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 | BLUECROSS BLUESHIELD OF TEXAS | $33K | — | $33K | 2.38% |
| CENTERSTONE INSURANCE AND FINANCIAL3 Filed as: CENTERSTONE INS AGCY & FIN SVCS | 12404 PARK CENTRAL DR. STE 400 S DALLAS, TX 752511800 | BLUECROSS BLUESHIELD OF TEXAS | $28K | — | $28K | 1.98% |
| 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 | $12K | — | $12K | 10.02% |
| CENTERSTONE INSURANCE AND FINANCIAL3 Filed as: CENTERSTONE INS AGENCY & FIN SVCS | 12404 PARK CENTRAL DR. STE 400 DALLAS, TX 75251 | PRINCIPAL LIFE INSURANCE COMPANY | $4K | — | $4K | 3.00% |
| 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 | $12K | $832 | $13K | 21.38% |
| 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 | $3K | — | $3K | 5.00% |
| 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 | $6K | $435 | $7K | 21.38% |
| 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 | 5.00% |
| A. G. INSURANCE AGENCIES,INC.3 Filed as: AG INSURANCE AGENCIES INC | 6100 WESTERN PLACE STE. 1075 FORT WORTH, TX 76107 | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $8K | — | $8K | 25.76% |
| CENTERSTONE INSURANCE AND FINANCIAL3 Filed as: CENTERSTONE INS & FIN SVCS INC | 12404 PARK CENTRAL DR. STE. 400S DALLAS, TX 75251 | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $2K | — | $2K | 5.06% |
| OPES ONE ADVISORS LLC3 Filed as: OPES ONE ADVISORS, LLC | 15303 DALLAS PKWY #550 ADDISON, TX 75001 | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $238 | — | $238 | 0.76% |
| A. G. INSURANCE AGENCIES,INC.3 Filed as: AG INSURANCE AGENCIES, INC. | 6100 WESTERN PLACE STE. 350 FORT WORTH, TX 761074600 | VISION SERVICE PLAN | $1K | — | $1K | 5.51% |
| CENTERSTONE INSURANCE AND FINANCIAL3 Filed as: CENTERSTONE INS AGENCY & FIN SVCS | 12404 PARK CENTRAL DR. STE 400 S DALLAS, TX 752511800 | VISION SERVICE PLAN | $1K | — | $1K | 5.00% |
| EMPLOYEE NAVIGATOR, LLC4 | 7979 OLD GEORGETOWN RD, STE 300 BETHESDA, MD 208142554 | VISION SERVICE PLAN | $101 | — | $101 | 0.50% |
| 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 | $4K | $255 | $4K | 21.39% |
| 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 | $918 | — | $918 | 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 | 342 | 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) | 342 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUECROSS BLUESHIELD OF TEXAS | 342 | $1.4M |
| Dental | PRINCIPAL LIFE INSURANCE COMPANY | 343 | $117K |
| Vision | VISION SERVICE PLAN | 138 | $20K |
| Life insurance | UNUM LIFE INSURANCE COMPANY OF AMERICA | 152 | $60K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 47 | $18K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 152 | $60K |
| Other(5 contracts, 3 carriers) | ACCRUE SOLUTIONS, LLC | 152 | $470K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 343 | — |
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.
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.