| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HARRIS COLE JR3 | 6100 WESTERN PLACE DR SUITE 350 FORT WORTH, TX 76107 | BLUE CROSS AND BLUE SHIELD OF NORTH CAROLINA | $19K | — | $19K | 1.42% |
| A. G. INSURANCE AGENCIES,INC.3 Filed as: AG INSURANCE AGENCIES INC | 6100 WESTERN PLACE STE. STE. 1075 FORT WORTH, TX 76107 | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $14K | — | $14K | 11.97% |
| CENTERSTONE INSURANCE AND FINANCIAL3 Filed as: CENTERSTONE INS & FIN SVCS INC | 12404 PARK CENTRAL DR. STE. 400S DALLAS, TX 75251 | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $6K | — | $6K | 5.00% |
| OPES ONE ADVISORS LLC3 Filed as: OPES ONE ADVISORS, LLC | 15303 NORTH DALLAS PARKWAY SUITE 5 ADDISON, TX 75001 | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $449 | — | $449 | 0.39% |
| A. G. INSURANCE AGENCIES,INC.3 Filed as: A.G. INSURANCE AGENCIES, INC | 6100 WESTERN PL DR STE 801 FPRT WORTH, TX 76107 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $8K | $1K | $9K | 15.70% |
| CENTERSTONE INSURANCE AND FINANCIAL3 Filed as: CENTERSTONE INSURANCE & FINANC | 12404 PARK CENTRAL DR STE 400S DALLAS, TX 75251 | UNUM LIFE INSURANCE COMPANY OF AMERICA | — | $3K | $3K | 5.00% |
| 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 | $3K | $283 | $4K | 19.83% |
| CENTERSTONE INSURANCE AND FINANCIAL3 Filed as: CENTERSTONE INSURANCE & FINANC | 12404 PARK CENTRAL DRIVE STE 400S DALLAS, TX 75251 | UNUM LIFE INSURANCE COMPANY OF AMERICA | — | $810 | $810 | 4.56% |
| A. G. INSURANCE AGENCIES,INC.3 Filed as: A.G. INSURANCE AGENCIES, INC. | 12404 PARK CENTRAL DR., SUITE DALLAS, TX 75251 | VISION SERVICE PLAN | $859 | — | $859 | 6.60% |
| CENTERSTONE INSURANCE AND FINANCIAL3 | 12404 PARK CENTRAL DR., SUITE 400 DALLAS, TX 752511803 | VISION SERVICE PLAN | $751 | — | $751 | 5.77% |
| EMPLOYEE NAVIGATOR, LLC3 | 7979 OLD GEORGETOWN RD STE 300 BETHESDA, MD 208142554 | VISION SERVICE PLAN | $65 | — | $65 | 0.50% |
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 | 194 | 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) | 194 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS AND BLUE SHIELD OF NORTH CAROLINA | 194 | $1.3M |
| Dental | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 113 | $116K |
| Vision | VISION SERVICE PLAN | 97 | $13K |
| Life insurance(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 127 | $76K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 127 | $59K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 127 | $59K |
| Prescription drug | BLUE CROSS AND BLUE SHIELD OF NORTH CAROLINA | 194 | $1.3M |
| Other(4 contracts, 3 carriers) | BLUE CROSS AND BLUE SHIELD OF NORTH CAROLINA | 194 | $1.5M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 194 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.