| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| A. G. INSURANCE AGENCIES,INC.3 Filed as: AG INSURANCE AGENCIES, INC. | 6100 WESTERN PL, STE 801 FORT WORTH, TX 761074695 | UNITEDHEALTHCARE INSURANCE COMPANY | $31K | — | $31K | 6.42% |
| 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 | $13K | $1K | $14K | 21.75% |
| CENTERSTONE INSURANCE AND FINANCIAL3 Filed as: CENTERSTONE INSURANCE & FINANCIAL | 12404 PARK CENTRAL DR, STE 400S DALLAS, TX 75251 | UNUM LIFE INSURANCE COMPANY OF AMERICA | — | $3K | $3K | 5.00% |
| AGIA INCORPORATED3 | 6100 WESTERN PLACE, STE. 350 FORT WORTH, TX 76107 | DELTA DENTAL OF CALIFORNIA | $3K | — | $3K | 19.12% |
| A. G. INSURANCE AGENCIES,INC.3 Filed as: A.G. INSURANCE AGENCIES, INC | 6100 WESTERN PL DR, STE 801 FT WORTH, TX 76107 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $3K | $281 | $3K | 21.75% |
| CENTERSTONE INSURANCE AND FINANCIAL3 Filed as: CENTERSTONE INSURANCE & FINANC | 12404 PARK CENTRAL DR, STE 400S DALLAS, TX 75251 | UNUM LIFE INSURANCE COMPANY OF AMERICA | — | $803 | $803 | 5.00% |
| A. G. INSURANCE AGENCIES,INC.3 Filed as: A.G. INSURANCE AGENCIES, INC | 6100 WESTERN PL DR STE 801 FT WORTH, TX 76107 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $2K | $188 | $2K | 21.75% |
| CENTERSTONE INSURANCE AND FINANCIAL3 Filed as: CENTERSTONE INSURANCE & FINANC | 12404 PARK CENTRAL DR, STE 400S DALLAS, TX 75251 | UNUM LIFE INSURANCE COMPANY OF AMERICA | — | $538 | $538 | 5.00% |
| A. G. INSURANCE AGENCIES,INC.3 Filed as: A.G. INSURANCE AGENCIES, INC. | 12404 PARK CENTRAL DR., SUITE 350 DALLAS, TX 75251 | VISION SERVICE PLAN | $539 | — | $539 | 10.19% |
| CENTERSTONE INSURANCE AND FINANCIAL3 | 12404 PARK CENTRAL DR., SUITE 400 DALLAS, TX 752511803 | VISION SERVICE PLAN | $219 | — | $219 | 4.14% |
| EMPLOYEE NAVIGATOR, LLC3 | 7979 OLD GEORGETOWN RD., STE. 300 BETHESDA, MD 208142554 | VISION SERVICE PLAN | $29 | — | $29 | 0.55% |
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 | 130 | 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) | 130 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 72 | $489K |
| Dental | DELTA DENTAL OF CALIFORNIA | 70 | $17K |
| Vision | VISION SERVICE PLAN | 35 | $5K |
| Life insurance(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 130 | $79K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 18 | $11K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 130 | $63K |
| Other(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 130 | $79K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 130 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.