| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| A.G. INSURANCE3 | 6100 WESTERN PL. DR. STE. 350 FORT WORTH, TX 76107 | BLUECROSS BLUESHIELD OF TEXAS | $37K | — | $37K | 3.93% |
| CENTERSTONE INSURANCE AND FINANCIAL3 Filed as: CENTERSTONE INS AGCY & FIN SVCS | 12404 PARK CENTRAL DR. STE 400 S DALLAS, TX 752511800 | BLUECROSS BLUESHIELD OF TEXAS | $10K | — | $10K | 1.01% |
| A.G. INSURANCE3 | 6100 WESTERN PL. DR. STE. 350 FORT WORTH, TX 76107 | GUARDIAN | $12K | — | $12K | 11.73% |
| CENTERSTONE INSURANCE AND FINANCIAL3 Filed as: CENTERSTONE INS AGCY & FIN SVCS | 12404 PARK CENTRAL DR. STE 400 S DALLAS, TX 752511800 | GUARDIAN | $5K | — | $5K | 5.00% |
| OPES ONE ADVISORS LLC3 Filed as: OPES ONE ADVISORS, LLC | — | GUARDIAN | $437 | — | $437 | 0.45% |
| A.G. INSURANCE3 | 6100 WESTERN PL. DR. STE. 350 FORT WORTH, TX 76107 | UNUM | $15K | $2K | $17K | 20.37% |
| CENTERSTONE INSURANCE AND FINANCIAL3 Filed as: CENTERSTONE INS AGCY & FIN SVCS | 12404 PARK CENTRAL DR. STE 400 S DALLAS, TX 752511800 | UNUM | $4K | — | $4K | 4.53% |
| A.G. INSURANCE3 | 6100 WESTERN PL. DR. STE. 350 FORT WORTH, TX 76107 | UNUM | $5K | $679 | $6K | 22.50% |
| CENTERSTONE INSURANCE AND FINANCIAL3 Filed as: CENTERSTONE INS AGCY & FIN SVCS | 12404 PARK CENTRAL DR. STE 400 S DALLAS, TX 752511800 | UNUM | $1K | — | $1K | 5.00% |
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 | 101 | 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) | 101 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUECROSS BLUESHIELD OF TEXAS | 193 | $953K |
| Dental | GUARDIAN | 111 | $98K |
| Vision | GUARDIAN | 111 | $98K |
| Life insurance | UNUM | 118 | $81K |
| Short-term disability | UNUM | 118 | $81K |
| Long-term disability | UNUM | 118 | $81K |
| Other(5 contracts, 3 carriers) | ACCRUE SOLUTIONS, LLC | 118 | $461K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 193 | — |
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.