| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| FROST INSURANCE AGENCY INC3 | 3707 RICHMOND AVENUE, SUITE 330 HOUSTON, TX 77046 | BLUE CROSS BLUE SHIELD OF TEXAS | $202K | $0 | $202K | 4.97% |
| PAYCHEX INSURANCE AGENCY, INC.3 Filed as: PAYCHEX INSURANCE AGENCY INC | 150 SAWGRASS DRIVE ROCHESTER, NY 14620 | BLUE CROSS BLUE SHIELD OF TEXAS | $5 | $6K | $6K | 0.15% |
| FROST INSURANCE AGENCY INC3 | 3707 RICHMOND AVENUE, SUITE 330 HOUSTON, TX 77046 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $27K | $0 | $27K | 10.88% |
| FROST INSURANCE AGENCY INC3 | 3707 RICHMOND AVENUE, SUITE 330 HOUSTON, TX 77046 | UNUM INSURANCE COMPANY | $9K | $0 | $9K | 10.16% |
| PAYCHEX INSURANCE AGENCY, INC.3 Filed as: PAYCHEX INSURANCE AGENCY INC | 150 SAWGRASS DRIVE ROCHESTER, NY 14620 | UNUM INSURANCE COMPANY | $5K | $1K | $6K | 6.88% |
| FROST INSURANCE AGENCY INC3 Filed as: FROST INSURANCE AGENCY | PO BOX 225749 DALLAS, TX 75222 | DEARBORN LIFE INSURANCE COMPANY | $6K | $0 | $6K | 8.72% |
| PAYCHEX INSURANCE AGENCY, INC.3 Filed as: PAYCHEX INSURANCE AGENCY INC | 225 KENNETH DRIVE ROCHESTER, NY 14623 | DEARBORN LIFE INSURANCE COMPANY | $794 | $0 | $794 | 1.24% |
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 | 531 | 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) | 531 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF TEXAS | 849 | $4.1M |
| Dental | BLUE CROSS BLUE SHIELD OF TEXAS | 849 | $4.1M |
| Vision | DEARBORN LIFE INSURANCE COMPANY | 459 | $64K |
| Life insurance | UNUM LIFE INSURANCE COMPANY OF AMERICA | 531 | $250K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 531 | $250K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 531 | $250K |
| Prescription drug | BLUE CROSS BLUE SHIELD OF TEXAS | 849 | $4.1M |
| Other(2 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 531 | $339K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 849 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.