| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 | — | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $66K | $0 | $66K | 13.86% |
| MARSH & MCLENNAN AGENCY LLC3 | 8144 WALNUT HILL LN 16TH FL DALLAS, TX 75231 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $43K | $6K | $49K | 22.78% |
| CENTERSTONE INSURANCE AND FINANCIAL3 Filed as: CENTERSTONE INSURANCE & FINANCE | 12404 PARK CENTRAL DR STE 400S DALLAS, TX 75251 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $0 | $11K | $11K | 5.00% |
| MARSH & MCLENNAN AGENCY LLC3 | 8144 WALNUT HILL LN 16TH FL DALLAS, TX 75231 | METROPOLITAN LIFE INSURANCE COMPANY | $13K | $0 | $13K | 9.12% |
| CENTERSTONE INSURANCE AND FINANCIAL3 Filed as: CENTERSTONE INSURANCE & FINANCIAL | 12404 PARK CENTRAL DR STE 400S DALLAS, TX 75251 | METROPOLITAN LIFE INSURANCE COMPANY | $7K | $13 | $7K | 4.95% |
| A. G. INSURANCE AGENCIES,INC.3 Filed as: AG INSURANCE AGENCIES INC | 6100 WESTERN PLACE STE 1075 FORT WORTH, TX 76107 | METROPOLITAN LIFE INSURANCE COMPANY | $1K | $3K | $5K | 3.22% |
| MARSH & MCLENNAN AGENCY LLC3 | 250 PEHLE AVE STE 400 PARK 80 PLAZA 2 SADDLE BROOK, NJ 07663 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $1K | $1K | 0.91% |
| MARSH & MCLENNAN AGENCY LLC3 | 6279 TRI RIDGE BLVD STE 400 LOVELAND, OH 45140 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $10 | $10 | 0.01% |
| MARSH & MCLENNAN AGENCY LLC3 | 8144 WALNUT HILL LN 16TH FL DALLAS, TX 75231 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $14K | $3K | $16K | 23.70% |
| CENTERSTONE INSURANCE AND FINANCIAL3 Filed as: CENTERSTONE INSURANCE & FINANCE | 12404 PARK CENTRAL DR STE 400S DALLAS, TX 75251 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $0 | $3K | $3K | 5.00% |
| MARSH & MCLENNAN AGENCY LLC3 | 8144 WALNUT HILL LN 16TH FL DALLAS, TX 75231 | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $11K | $794 | $12K | 21.44% |
| MARSH & MCLENNAN AGENCY LLC3 | 2500 BEE CAVE ROAD STE 125 AUSTIN, TX 78746 | VISION SERVICE PLAN | $3K | $0 | $3K | 10.02% |
| CENTERSTONE INSURANCE AND FINANCIAL3 Filed as: CENTERSTONE INS FIN SERVICE | 12404 PARK CENTRAL DR STE 400S DALLAS, TX 75251 | VISION SERVICE PLAN | $1K | $0 | $1K | 4.01% |
| EMPLOYEE NAVIGATOR, LLC3 Filed as: EMPLOYEE NAVIGATOR | 7979 OLD GEORGETOWN RD STE 300 BETHESDA, MD 20814 | VISION SERVICE PLAN | $90 | $0 | $90 | 0.29% |
| A.G. INSURANCE AGENTS, INC.3 | 12404 PARK CENTRAL DR STE 400S DALLAS, TX 75251 | VISION SERVICE PLAN | $2 | $0 | $2 | 0.01% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| CIGNA EIN 59-1031071 ADMINISTRATOR | Claims processing; Contract Administrator Service code 12 | — | $75K |
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 | 257 | 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) | 257 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 318 | $473K |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 609 | $140K |
| Vision | VISION SERVICE PLAN | 222 | $31K |
| Life insurance | UNUM LIFE INSURANCE COMPANY OF AMERICA | 257 | $216K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 257 | $216K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 257 | $216K |
| Other(3 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 257 | $340K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 609 | — |
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.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.