| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| A. G. INSURANCE AGENCIES,INC.3 Filed as: AG INSURANCE AGENCIES INC | PO BOX 1057 ROANOKE, TX 76262 | UNITEDHEALTHCARE INSURANCE COMPANY | $41K | $0 | $41K | 8.44% |
| AG INSURANCE SERVICES3 Filed as: AG INSURANCE AGENCY | 6100 WESTERN PLACE STE 801 FT WORTH, TX 76107 | UNITEDHEALTHCARE INSURANCE COMPANY | $394 | $0 | $394 | 0.08% |
| A. G. INSURANCE AGENCIES,INC.3 Filed as: AG INSURANCE AGENCIES, INC. | 6100 WESTERN PLACE STE 801 FT WORTH, TX 76107 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $11K | $840 | $12K | 25.29% |
| A. G. INSURANCE AGENCIES,INC.3 Filed as: AG INSURANCE AGENCIES INC | 6100 WESTERN PLACE STE 350 FORT WORTH, TX 76107 | DEARBORN LIFE INSURANCE COMPANY | $2K | $0 | $2K | 14.81% |
| CENTERSTONE INSURANCE AND FINANCIAL3 Filed as: CENTERSTONE INSURANCE & FINANCE | 12404 PARK CENTRAL DR STE 400S DALLAS, TX 75251 | DEARBORN LIFE INSURANCE COMPANY | $0 | $982 | $982 | 7.10% |
| KAREN TYLER-DUNN3 | 714 SEYMOUR DR FRISCO, TX 75033 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $863 | $273 | $1K | 17.81% |
| M3 INS SOLUTIONS INC3 Filed as: AG INS AGENCIES INC | 6100 WESTERN PLACE STE 801 FT WORTH, TX 76107 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $954 | $156 | $1K | 17.40% |
| CHRISTOPHER D TYLER3 | 714 SEYMOUR DR FRISCO, TX 75033 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $122 | $75 | $197 | 3.09% |
| AMARILIS ALTAGRACIA CSIKORTOS3 | 480 CREEK TERRACE DR SAGINAW, TX 76131 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $111 | $35 | $146 | 2.29% |
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 | 119 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 120 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | UNITEDHEALTHCARE INSURANCE COMPANY | 93 | $486K |
| Vision | UNITEDHEALTHCARE INSURANCE COMPANY | 93 | $486K |
| Life insurance | DEARBORN LIFE INSURANCE COMPANY | 116 | $14K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 119 | $48K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 119 | $48K |
| Other(3 contracts, 3 carriers) | UNITEDHEALTHCARE INSURANCE COMPANY | 116 | $506K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 119 | — |
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.