| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| FROST INSURANCE AGENCY INC3 Filed as: FROST INSURANCE AGENCY INC. | N. HARWOOD ST STE 1200 DALLAS, TX 75201 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES (CIGNA) | $3K | $0 | $3K | 5.80% |
| BUSINESS VALUATION ADVISORS LLC EMP3 | LBJ FREEWAY SUITE 1940 DALLAS, TX 75240 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES (CIGNA) | $2K | $0 | $2K | 4.11% |
| FRONT INSURANCE AGENCY INC3 | 2950 N HARDWOOD STE 1200 DALLAS, TX 75201 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $3K | $0 | $3K | 11.78% |
| SUMMIT FINANCIAL GROUP INC.3 Filed as: SUMMIT FINANCIAL GROUP INC | 5420 LBJ FREEWAY DALLAS, TX 75240 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $707 | $0 | $707 | 3.25% |
| FROST INSURANCE AGENCY INC3 | 2950 N HARDWOOD STE 1200 DALLAS, TX 75201 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $2K | $0 | $2K | 11.78% |
| SUMMIT FINANCIAL GROUP INC.3 Filed as: SUMMIT FINANCIAL GROUP INC | 5420 LBJ FREEWAY DALLAS, TX 75240 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $445 | $0 | $445 | 3.24% |
| FROST INSURANCE AGENCY INC3 | 2950 N HARDWOOOD ST 1200 DALLAS, TX 75201 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $1K | $0 | $1K | 11.91% |
| SUMMIT FINANCIAL GROUP INC.3 Filed as: SUMMIT FINANCIAL GROUP INC | 5420 LBJ FREEWAY DALLAS, TX 75240 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $282 | $0 | $282 | 3.19% |
| FROST INSURANCE AGENCY INC3 Filed as: FROST INSURANCE AGENCY | 2950 N. HARWOOD #100 DALLAS, TX 75201 | EYEMED VISION CARE | $490 | $0 | $490 | 13.36% |
| SUMMIT FINANCIAL GROUP INC.3 Filed as: SUMMIT FINANCIAL GROUP | 5420 LBJ FREEWAY SUITE 1940 DALLAS, TX 75240 | EYEMED VISION CARE | $478 | $0 | $478 | 13.04% |
| FROST INSURANCE AGENCY INC3 Filed as: FROST INSURANCE AGENCY, INC | 2950 HARDWOOD STE 1200 DALLAS, TX 75201 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $133 | $0 | $133 | 12.09% |
| SUMMIT FINANCIAL GROUP INC.3 Filed as: SUMMIT FINANCIAL GROUP INC | 5420 LBJ FREEWAY DALLAS, TX 75240 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $34 | $0 | $34 | 3.09% |
| RANDY GOWDY3 | 5420 LBJ FREEWAY DALLAS, TX 75240 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $16 | $0 | $16 | 7.66% |
| FROST INSURANCE AGENCY INC3 | 640 TAYLOR ST FORT WORTH, TX 76102 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $5 | $0 | $5 | 2.39% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| FROST INSURANCE AGENCY, INC. - TEXA BROKER | Insurance agents and brokers Service code 22 | 3707 RICHMOND AVE HOUSTON, TX 77046 | $22K |
| THE BENECON GROUP EIN 23-1315351 BROKER | Insurance agents and brokers Service code 22 | — | $18K |
| INDEPENDENCE ADMINISTRATORS (IA) EIN 23-2184623 CARRIER | Claims processing Service code 12 | — | $10K |
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 | 49 | 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) | 49 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES (CIGNA) | 48 | $48K |
| Vision | EYEMED VISION CARE | 74 | $4K |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 0 | $9K |
| Short-term disability(2 contracts) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 0 | $14K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 0 | $22K |
| Stop-loss / reinsurancereinsurance | SUN LIFE ASSURANCE COMPANY | 49 | $319K |
| Other(3 contracts) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 0 | $10K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 74 | — |
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.