| 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 DRIVE #350 FORT WORTH, TX 76107 | PAN-AMERICAN LIFE INSURANCE COMPANY | $10K | — | $10K | 9.50% |
| CENTERSTONE INSURANCE AND FINANCIAL3 Filed as: CENTERSTONE INSURANCE & FINANCIAL | 4851 LBJ FWY. STE 100 DALLAS, TX 75244 | PAN-AMERICAN LIFE INSURANCE COMPANY | $2K | — | $2K | 1.90% |
| A. G. INSURANCE AGENCIES,INC.3 Filed as: A.G. INSURANCE AGENCIES, INC. | 6100 WESTERN PLACE DRIVE #350 FORT WORTH, TX 76107 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $11K | $959 | $12K | 19.90% |
| CENTERSTONE INSURANCE AND FINANCIAL3 Filed as: CENTERSTONE INS. & FINANCIAL SRVS | 12404 PARK CENTRAL DR. STE 400 DALLAS, TX 75251 | UNUM LIFE INSURANCE COMPANY OF AMERICA | — | $3K | $3K | 4.58% |
| PAN-AMERICAN LIFE5 | 601 POYDRAS ST. NEW ORLEANS, LA 70130 | DFW ROTEC, INC. | — | $15K | $15K | 31.98% |
| CENTERSTONE INSURANCE AND FINANCIAL3 Filed as: CENTERSTONE INS. & FINANCIAL SRVS | 4851 LBJ FWY, STE 100 DALLAS, TX 75244 | DFW ROTEC, INC. | — | $7K | $7K | 15.23% |
| PAN-AMERICAN BENEFIT SOLUTIONS3 | 1778 N PLANO RD., #310 RICHARDON, TX 75081 | DFW ROTEC, INC. | — | $6K | $6K | 13.86% |
| RXEDO3 | PO BOX 678586 DALLAS, TX 75267 | DFW ROTEC, INC. | — | $4 | $4 | 0.01% |
| A. G. INSURANCE AGENCIES,INC.3 | 6100 WESTERN PLACE DRIVE #350 FORT WORTH, TX 76107 | DELTA DENTAL INSURANCE COMPANY | $2K | — | $2K | 10.00% |
| A. G. INSURANCE AGENCIES,INC.3 | 6100 WESTERN PL STE 350 FORT WORTH, TX 76107 | VSP | $260 | — | $260 | 10.02% |
| CENTERSTONE INSURANCE AND FINANCIAL3 Filed as: CENTERSTONE INS. & FINANCIAL SRVS | 12404 PARK CENTRAL DR. STE 400 DALLAS, TX 75251 | VSP | $130 | — | $130 | 5.01% |
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 | 123 | 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) | 123 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | DFW ROTEC, INC. | 123 | $47K |
| Dental | DELTA DENTAL INSURANCE COMPANY | 61 | $15K |
| Vision | VSP | 31 | $3K |
| Life insurance | UNUM LIFE INSURANCE COMPANY OF AMERICA | 128 | $60K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 128 | $60K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 128 | $60K |
| Stop-loss / reinsurancereinsurance | PAN-AMERICAN LIFE INSURANCE COMPANY | 123 | $107K |
| Other | UNUM LIFE INSURANCE COMPANY OF AMERICA | 128 | $60K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 128 | — |
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.
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.