| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| A. G. INSURANCE AGENCIES,INC.3 Filed as: AG INSURANCE AGENCIES INC | 6100 WESTERN PLACE STE. 350 FORT WORTH, TX 761078300 | UNITED HEALTHCARE INSURANCE COMPANY | $32K | — | $32K | 6.25% |
| A. G. INSURANCE AGENCIES,INC.3 Filed as: AG INSURANCE AGENCIES INC | 6100 WESTERN PLACE STE. 350 FORT WORTH, TX 76107 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $12K | $761 | $13K | 17.00% |
| CENTERSTONE INSURANCE AND FINANCIAL3 Filed as: CENTERSTONE INS & FIN SVCS INC | 12404 PARK CENTRAL DR. STE. 400S DALLAS, TX 75251 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $3K | — | $3K | 4.00% |
| A. G. INSURANCE AGENCIES,INC.3 Filed as: AG INSURANCE AGENCIES INC | 6100 WESTERN PLACE STE. 350 FORT WORTH, TX 76107 | DELTA DENTAL INSURANCE COMPANY | $4K | — | $4K | 10.00% |
| A. G. INSURANCE AGENCIES,INC.3 Filed as: AG INSURANCE AGENCIES INC | 6100 WESTERN PLACE STE. 350 FORT WORTH, TX 76107 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $2K | $144 | $2K | 17.34% |
| CENTERSTONE INSURANCE AND FINANCIAL3 Filed as: CENTERSTONE INS & FIN SVCS INC | 12404 PARK CENTRAL DR. STE. 400S DALLAS, TX 75251 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $576 | — | $576 | 4.08% |
| A. G. INSURANCE AGENCIES,INC.3 Filed as: AG INSURANCE AGENCIES INC | 6100 WESTERN PLACE STE. 350 FORT WORTH, TX 76107 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $2K | $140 | $2K | 17.15% |
| CENTERSTONE INSURANCE AND FINANCIAL3 Filed as: CENTERSTONE INS & FIN SVCS INC | 12404 PARK CENTRAL DR. STE. 400S DALLAS, TX 75251 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $559 | — | $559 | 4.03% |
| A. G. INSURANCE AGENCIES,INC.3 Filed as: AG INSURANCE AGENCIES INC | 6100 WESTERN PLACE STE. 350 FORT WORTH, TX 761074600 | VSP | $513 | — | $513 | 9.61% |
| EMPLOYEE NAVIGATOR, LLC3 | 7979 OLD GEORGETOWN RD. STE. 300 BETHESDA, MD 208142554 | VSP | $28 | — | $28 | 0.52% |
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 | 117 | 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) | 117 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITED HEALTHCARE INSURANCE COMPANY | 86 | $508K |
| Dental | DELTA DENTAL INSURANCE COMPANY | 110 | $38K |
| Vision | VSP | 46 | $5K |
| Life insurance | UNUM LIFE INSURANCE COMPANY OF AMERICA | 217 | $76K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 20 | $14K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 217 | $76K |
| Other(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 217 | $90K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 217 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.