| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| M&T INSURNACE AGENCY INC.3 Filed as: A G INSURNACE AGENCIES | — | BLUECROSS BLUESHIELD OF TEXAS | $16K | — | $16K | 4.38% |
| CENTERSTONE INSURANCE AND FINANCIAL3 Filed as: CENTERSTONE INS | — | BLUECROSS BLUESHIELD OF TEXAS | $7K | $690 | $7K | 2.00% |
| A. G. INSURANCE AGENCIES,INC.3 Filed as: A G INSURANCE AGENCIES INC | 6100 WESTERN PLACE STE 350 FT WORTH, TX 76107 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $9K | $749 | $9K | 16.08% |
| KAREN TYLER-DUNN3 | 714 SEYMOUR DR FRISCO, TX 75033 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $7K | $2K | $9K | 16.05% |
| CHRISTOPHER D TYLER3 | 714 SEYMOUR DR FRISCO, TX 75033 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2K | $356 | $2K | 3.18% |
| ERNESTO ELOY GARCIA3 | 2600 YORKSHIRE ST IRVING, TX 75061 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2K | $103 | $2K | 2.97% |
| JULIAN OLALDE3 | 10935 ESTATE LN DALLAS, TX 75238 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2K | $30 | $2K | 2.86% |
| BOBBIE JO WORSHAM3 | 8903 APLAMADO DR MCKINNEY, TX 75070 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1K | $116 | $2K | 2.68% |
| ISRAEL GARZA3 | 3400 CRAIG DR APT. 1813 MCKINNEY, TX 75070 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1K | $45 | $1K | 2.05% |
| HAILEY MEANS3 | 9741 PRESTON ROAD FRISCO, TX 75034 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $138 | — | $138 | 0.23% |
| JUSTIN SCOTT CANCHOLA3 | 19044 BILBROOK LN DALLAS, TX 75287 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $125 | — | $125 | 0.21% |
| CLAYTON LEWIS MITCHEL3 | 10935 ESTATE LN DALLAS, TX 75238 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $112 | — | $112 | 0.19% |
| PENELOPE ROSAS3 | 1521 SUNFLOWER DR ALLEN, TX 75002 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $35 | $4 | $39 | 0.07% |
| RICHARD DAVID BAIRD3 | 2111 E. BELT LINE RD. RICHARDSON, TX 75081 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $25 | $2 | $27 | 0.05% |
| MARSH & MCLENNAN AGENCY LLC3 | PO BOX 85638 SAN DIEGO, CA 92186 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $7 | — | $7 | 0.01% |
| VIRGINIA LEDER-CLARK3 | 5213 MARSHALL CRK FLOWER MOUND, TX 75028 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $4 | — | $4 | 0.01% |
| COLONIAL LIFE & ACCIDENT3 Filed as: COLONIAL OF NORTH TEXAS INSURANCE G | 4621 GLEN HEATHER DRIVE FRISCO, TX 75034 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1 | — | $1 | 0.00% |
| A. G. INSURANCE AGENCIES,INC.3 Filed as: A.G. INSURANCE AGENCIES, INC. | — | ACE USA GROUP | $3K | — | $3K | 59.48% |
| A. G. INSURANCE AGENCIES,INC.3 Filed as: A.G. INSURANCE AGENCIES, INC. | — | ACE USA GROUP | $480 | — | $480 | 35.19% |
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 | 97 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 2 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 101 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUECROSS BLUESHIELD OF TEXAS | 61 | $373K |
| Dental | ACE USA GROUP | 11 | $5K |
| Vision | ACE USA GROUP | 9 | $1K |
| Life insurance | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 107 | $59K |
| Other | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 107 | $59K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 107 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.