| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| A. G. INSURANCE AGENCIES,INC.3 Filed as: A.G. INSURANCE AGENCIES, INC | 6100 WESTERN PLACE DR. SUITE 350 FORT WORTH, TX 76107 | PAN-AMERICAN LIFE INSURANCE COMPANY | $14K | — | $14K | 10.00% |
| CENTERSTONE INSURANCE AND FINANCIAL3 Filed as: CENTERSTONE INS & FIN SERVICES | 12404 PARK CENTRAL DR. SUITE 400S DALLAS, TX 75251 | PAN-AMERICAN LIFE INSURANCE COMPANY | $3K | — | $3K | 2.00% |
| A. G. INSURANCE AGENCIES,INC.3 Filed as: A.G. INSURANCE AGENCIES, INC. | 6100 WESTERN PL DR STE 801 FORT WORTH, TX 76107 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $19K | $2K | $21K | 21.75% |
| CENTERSTONE INSURANCE AND FINANCIAL3 Filed as: CENTERSTONE INSURANCE & FINANCIAL S | 12404 PARK CENTRAL DRIVE STE 400S DALLAS, TX 75251 | UNUM LIFE INSURANCE COMPANY OF AMERICA | — | $5K | $5K | 5.00% |
| A. G. INSURANCE AGENCIES,INC.3 | 6100 WESTERN PLACE DRIVE #350 FORT WORTH, TX 76107 | DELTA DENTAL OF CALIFORNIA | $3K | — | $3K | 19.26% |
| A. G. INSURANCE AGENCIES,INC.3 Filed as: A.G. INSURANCE AGENCIES, INC. | 12404 PARK CENTRAL DR. DALLAS, TX 75251 | VISION SERVICE PLAN | $543 | — | $543 | 9.27% |
| CENTERSTONE INSURANCE AND FINANCIAL3 | 12404 PARK CENTRAL DR. STE 400 DALLAS, TX 752511803 | VISION SERVICE PLAN | $338 | — | $338 | 5.77% |
| EMPLOYEE NAVIGATOR, LLC3 | 7979 OLD GEORGETOWN RD., STE 300 BETHESDA, MD 208142554 | VISION SERVICE PLAN | $29 | — | $29 | 0.49% |
| A. G. INSURANCE AGENCIES,INC.3 Filed as: A.G. INSURANCE AGENCIES, INC. | 12404 PARK CENTRAL DR., SUITE DALLAS, TX 75251 | VISION SERVICE PLAN | $543 | — | $543 | 9.27% |
| CENTERSTONE INSURANCE AND FINANCIAL3 | 12404 PARK CENTRAL DR., SUITE 400 DALLAS, TX 752511803 | VISION SERVICE PLAN | $338 | — | $338 | 5.77% |
| EMPLOYEE NAVIGATOR, LLC3 | 7979 OLD GEORGETOWN RD, STE 300 BETHESDA, MD 208142554 | VISION SERVICE PLAN | $29 | — | $29 | 0.49% |
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 | 195 | 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) | 195 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL OF CALIFORNIA | 128 | $16K |
| Vision(2 contracts) | VISION SERVICE PLAN | 82 | $12K |
| Life insurance(2 contracts, 2 carriers) | PAN-AMERICAN LIFE INSURANCE COMPANY | 195 | $240K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 193 | $97K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 193 | $97K |
| Other(2 contracts, 2 carriers) | PAN-AMERICAN LIFE INSURANCE COMPANY | 195 | $240K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 195 | — |
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.