| 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 | $38K | — | $38K | 12.52% |
| 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 | — | $13K | $13K | 4.16% |
| 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 | $9K | $3K | $12K | 7.49% |
| 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 | — | $7K | $7K | 4.58% |
| AGIA INCORPORATED3 | 6100 WESTERN PLACE STE. 1075 FORT WORTH, TX 76107 | DELTA DENTAL OF CALIFORNIA | $8K | — | $8K | 18.02% |
| 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 | $7K | $575 | $7K | 19.94% |
| 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 | 4.58% |
| A. G. INSURANCE AGENCIES,INC.3 Filed as: A G INSURANCE AGENCIES IN | 6100 WESTERN PLACE, STE 1075 FORT WORTH, TX 76107 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $3K | — | $3K | 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 | $807 | — | $807 | 5.00% |
| OPES ONE ADVISORS LLC3 Filed as: OPES ONE ADVISORS, LLC | — | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $32 | — | $32 | 0.20% |
| A. G. INSURANCE AGENCIES,INC.3 Filed as: AG INSURANCE AGENCIES INC | 6100 WESTERN PLACE STE. 350 FORT WORTH, TX 761074600 | VISION SERVICE PLAN | $808 | — | $808 | 6.33% |
| CENTERSTONE INSURANCE AND FINANCIAL3 Filed as: CENTERSTONE INS & FIN SVCS INC | 12404 PARK CENTRAL DR. STE. 400S DALLAS, TX 752511803 | VISION SERVICE PLAN | $688 | — | $688 | 5.39% |
| EMPLOYEE NAVIGATOR, LLC3 | 7979 OLD GEORGETOWN RD. STE. 300 BETHESDA, MD 208142554 | VISION SERVICE PLAN | $53 | — | $53 | 0.42% |
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 | 136 | 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) | 136 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 94 | $303K |
| Dental | DELTA DENTAL OF CALIFORNIA | 208 | $43K |
| Vision | VISION SERVICE PLAN | 84 | $13K |
| Life insurance(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 136 | $197K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 136 | $161K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 136 | $161K |
| Other(3 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 136 | $213K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 208 | — |
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.