| 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 | $13K | — | $13K | 8.33% |
| CENTERSTONE INSURANCE AND FINANCIAL3 Filed as: CENTERSTONE INSURANCE & FINANCIAL | 4851 LBJ FWY. STE 100 DALLAS, TX 75244 | PAN-AMERICAN LIFE INSURANCE COMPANY | $3K | — | $3K | 1.67% |
| 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 | $19K | $2K | $20K | 21.75% |
| 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 | — | $5K | $5K | 5.00% |
| PAN-AMERICAN LIFE5 | 601 POYDRAS ST. NEW ORLEANS, LA 70130 | DFW ROTEC, INC. | — | $20K | $20K | 33.95% |
| CENTERSTONE INSURANCE AND FINANCIAL3 Filed as: CENTERSTONE INS. & FINANCIAL SRVS | 4851 LBJ FWY, STE 100 DALLAS, TX 75244 | DFW ROTEC, INC. | — | $10K | $10K | 16.17% |
| PAN-AMERICAN BENEFIT SOLUTIONS5 | 1778 N PLANO RD., #310 RICHARDON, TX 75081 | DFW ROTEC, INC. | — | $9K | $9K | 14.71% |
| A. G. INSURANCE AGENCIES,INC.3 | 6100 WESTERN PLACE DRIVE #350 FORT WORTH, TX 76107 | DELTA DENTAL INSURANCE COMPANY | $3K | — | $3K | 10.00% |
| A. G. INSURANCE AGENCIES,INC.3 | 6100 WESTERN PL STE 350 FORT WORTH, TX 76107 | VSP | $440 | — | $440 | 10.01% |
| CENTERSTONE INSURANCE AND FINANCIAL3 Filed as: CENTERSTONE INS. & FINANCIAL SRVS | 12404 PARK CENTRAL DR. STE 400 DALLAS, TX 75251 | VSP | $220 | — | $220 | 5.00% |
| EMPLOYEE NAVIGATOR, LLC3 | 7979 OLD GEORGETOWN RD. STE 300 BETHESDA, MD 208142554 | VSP | $22 | — | $22 | 0.50% |
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 | 173 | 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) | 173 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | DFW ROTEC, INC. | 173 | $60K |
| Dental | DELTA DENTAL INSURANCE COMPANY | 112 | $25K |
| Vision | VSP | 61 | $4K |
| Life insurance(2 contracts, 2 carriers) | PAN-AMERICAN LIFE INSURANCE COMPANY | 183 | $253K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 183 | $94K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 183 | $94K |
| Stop-loss / reinsurancereinsurance | PAN-AMERICAN LIFE INSURANCE COMPANY | 173 | $159K |
| Other(2 contracts, 2 carriers) | PAN-AMERICAN LIFE INSURANCE COMPANY | 183 | $253K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 183 | — |
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.