| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| AG INSURANCE AGENCY & FINANCIAL SER3 | 6100 WESTERN PLACE STE. 1075 FORT WORTH, TX 76107 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $46K | — | $46K | 17.17% |
| CENTERSTONE INSURANCE AND FINANCIAL3 Filed as: CENTERSTONE INSURANCE AGCY & FIN SV | 12404 PARK CENTRAL DR. STE. 400S DALLAS, TX 75251 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | — | $15K | $15K | 5.70% |
| A. G. INSURANCE AGENCIES,INC.3 Filed as: AG INSURANCE AGENCIES INC | 6100 WESTERN PLACE STE. 350 FT. WORTH, TX 76107 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $8K | $3K | $10K | 6.75% |
| CENTERSTONE INSURANCE AND FINANCIAL3 Filed as: CENTERSTONE INS & FIN SVCS INC | 2325 LAKEVIEW PKWY, STE. 250 ALPHARETTA, GA 30009 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $8K | — | $8K | 5.00% |
| AGIA INCORPORATED3 | 6100 WESTERN PLACE STE. 1075 FORT WORTH, TX 76107 | DELTA DENTAL INSURANCE COMPANY | $4K | — | $4K | 5.00% |
| A. G. INSURANCE AGENCIES,INC.3 Filed as: AG INSURANCE AGENCIES INC | 6100 WESTERN PLACE STE. STE. 801 FT. WORTH, TX 76107 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $2K | $597 | $2K | 6.75% |
| CENTERSTONE INSURANCE AND FINANCIAL3 Filed as: CENTERSTONE INS & FIN SVCS INC | 2325 LAKEVIEW PKWY, STE. 250 ALPHARETTA, GA 30009 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $2K | — | $2K | 5.00% |
| A. G. INSURANCE AGENCIES,INC.3 Filed as: A G INSURANCE AGENCIES IN | 6100 WESTERN PLACE, STE 1075 FORT WORTH, TX 76107 | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $3K | — | $3K | 20.00% |
| CENTERSTONE INSURANCE AND FINANCIAL3 Filed as: CENTERSTONE INSURANCE AGCY & FIN SV | 12404 PARK CENTRAL DR. STE. 400S DALLAS, TX 75251 | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $683 | — | $683 | 5.00% |
| OPES ONE ADVISORS LLC3 Filed as: OPES ONE ADVISORS, LLC | — | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $27 | — | $27 | 0.20% |
| A. G. INSURANCE AGENCIES,INC.3 Filed as: AG INSURANCE AGENCIES INC | 6100 WESTERN PLACE STE. 350 FORT WORTH, TX 761074600 | VSP | $876 | — | $876 | 7.24% |
| CENTERSTONE INSURANCE AND FINANCIAL3 Filed as: CENTERSTONE INS & FIN SVCS INC | 12404 PARK CENTRAL DR. STE. 400S DALLAS, TX 752511803 | VSP | $656 | — | $656 | 5.42% |
| EMPLOYEE NAVIGATOR, LLC3 | 7979 OLD GEORGETOWN RD. STE. 300 BETHESDA, MD 208142554 | VSP | $66 | — | $66 | 0.55% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| CIGNA EIN 59-1031071 HEALTHY REWARD VENDORS | Named fiduciary; Other services; Claims processing; Non-monetary compensation; Participant communication; Direct payment from the plan; Float revenue; Contract Administrator Service code 12 | 900 COTTAGE GROVE RD BLOOMFIELD, CT 06002 | $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 | 121 | 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) | 121 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 85 | $270K |
| Dental | DELTA DENTAL INSURANCE COMPANY | 190 | $74K |
| Vision | VSP | 77 | $12K |
| Life insurance | UNUM LIFE INSURANCE COMPANY OF AMERICA | 125 | $155K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 125 | $155K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 125 | $155K |
| Other(3 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 125 | $203K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 190 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.