| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ROBERT D DAVIDSON3 | 14675 MIDWAY ROAD STE 221 ADDISON, TX 75001 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $0 | $73K | $73K | 5.00% |
| CENTERSTONE INSURANCE AND FINANCIAL3 Filed as: CENTERSTONE INS AGCY & FIN SVCS | 1204 PARK CENTRAL DRIVE SUITE 400S DALLAS, TX 75251 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $0 | $29K | $29K | 2.00% |
| ROBERT D DAVIDSON3 | 14675 MIDWAY ROAD STE 221 ADDISON, TX 75001 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $0 | $4K | $4K | 0.24% |
| DAVIDSON, ROBERT D3 | 14675 MIDWAY RD STE 221 ADDISON, TX 75001 | STARMOUNT LIFE INSURANCE COMPANY | $14K | $3K | $16K | 12.27% |
| DAVIDSON, ROBERT D3 | 14675 MIDWAY RD STE 221 ADDISON, TX 75001 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $8K | $1K | $9K | 17.00% |
| CENTERSTONE INSURANCE AND FINANCIAL3 Filed as: CENTERSTONE INSURANCE & FINANC | 12404 PARK CENTRAL DR STE #400 DALLAS, TX 75251 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $3K | $2K | $5K | 9.00% |
| DAVIDSON, ROBERT D3 | 14675 MIDWAY RD STE 221 ADDISON, TX 75001 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $5K | $573 | $5K | 17.70% |
| EDUARDO A REYNA3 | 1921 E HICKORY HILL RD ARGYLE, TX 76226 | AFLAC | $241 | — | $241 | 3.07% |
| GINGER C REYNA3 | 1921 E HICKORY HILL RD ARGYLE, TX 76226 | AFLAC | $185 | — | $185 | 2.36% |
| DAVID M COUGHLIN3 | 2229 WHITE MIST DR LAS VEGAS, NV 89134 | AFLAC | $120 | — | $120 | 1.53% |
| MARC PIERONI3 | 3208 CEDAR RIDGE DR RICHARDSON, TX 75082 | AFLAC | $56 | — | $56 | 0.71% |
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 | 264 | 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) | 264 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 236 | $1.5M |
| Dental | STARMOUNT LIFE INSURANCE COMPANY | 201 | $134K |
| Vision | STARMOUNT LIFE INSURANCE COMPANY | 201 | $134K |
| Life insurance(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 254 | $79K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 254 | $50K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 254 | $50K |
| Other(3 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 254 | $87K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 254 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.