| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| FROST INSURANCE AGENCY INC3 | SUITE 330 4200 SOUTH HULEN STREET FORT WORTH, TX 76109 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $9K | — | $9K | 8.00% |
| IMG5 | 2960 NORTH MERIDIAN STREET INDIANAPOLIS, IN 46208 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | — | $30 | $30 | 0.03% |
| M3 INSURANCE SOLUTIONS INC3 Filed as: FROST INSURNANCE | P.O. BOX 33528 FORT WORTH, TX 76162 | HARTFORD LIFE & ACCIDENT INSURANCE COMPANY | $3K | — | $3K | 6.91% |
| FROST INSURANCE AGENCY INC3 Filed as: FROST INSURANCE | P.O. BOX 33528 FORT WORTH, TX 76162 | EXPRESS SCRIPTS, INC. | $660 | — | $660 | 2.23% |
| FROST INSURANCE AGENCY INC3 Filed as: FROST INSURANCE AGENCY | 640 TAYLOR ST FORT WORTH, TX 761024820 | VISION SERVICE PLAN | $1K | — | $1K | 5.37% |
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 | 125 | 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) | 125 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | VISION SERVICE PLAN | 104 | $21K |
| Life insurance(2 contracts, 2 carriers) | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 151 | $158K |
| Long-term disability | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 151 | $119K |
| Prescription drug | EXPRESS SCRIPTS, INC. | 11 | $30K |
| Other | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 151 | $119K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 151 | — |
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.