| 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 | $38K | $903 | $39K | 2.27% |
| 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 | $16K | — | $16K | 0.92% |
| A.G. INSURANCE3 | 6100 WESTERN PL. DR. STE. 350 FORT WORTH, TX 76107 | GUARDIAN | $27K | — | $27K | 17.12% |
| CENTERSTONE INSURANCE AND FINANCIAL3 Filed as: CENTERSTONE INS AGCY & FIN SVCS | 12404 PARK CENTRAL DR. STE 400 S DALLAS, TX 752511800 | GUARDIAN | $8K | — | $8K | 5.00% |
| A.G. INSURANCE3 | 6100 WESTERN PL. DR. STE. 350 FORT WORTH, TX 76107 | UNUM | $18K | $2K | $21K | 15.32% |
| CENTERSTONE INSURANCE AND FINANCIAL3 Filed as: CENTERSTONE INS AGCY & FIN SVCS | 12404 PARK CENTRAL DR. STE 400 S DALLAS, TX 752511800 | UNUM | $7K | — | $7K | 5.29% |
| A.G. INSURANCE3 | 6100 WESTERN PL. DR. STE. 350 FORT WORTH, TX 76107 | UNUM | $10K | $757 | $11K | 21.50% |
| CENTERSTONE INSURANCE AND FINANCIAL3 Filed as: CENTERSTONE INS AGCY & FIN SVCS | 12404 PARK CENTRAL DR. STE 400 S DALLAS, TX 752511800 | UNUM | $3K | — | $3K | 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 | 156 | 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) | 156 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUECROSS BLUESHIELD OF TEXAS | 270 | $1.7M |
| Dental | GUARDIAN | 175 | $161K |
| Vision | GUARDIAN | 175 | $161K |
| Life insurance | UNUM | 186 | $135K |
| Short-term disability | UNUM | 186 | $135K |
| Long-term disability | UNUM | 186 | $135K |
| Other(5 contracts, 3 carriers) | ACCRUE SOLUTIONS, LLC | 186 | $664K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 270 | — |
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.