| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| FROST INSURANCE AGENCY INC3 | 4200 S HULEN ST STE 330 FORT WORTH, TX 761094912 | BLUE CROSS AND BLUE SHIELD OF TEXAS, INC. | $34K | — | $34K | 3.36% |
| FROST INSURANCE AGENCY INC3 Filed as: FROST INSURANCE AGENCY | 4200 S HULEN ST STE 330 FORT WORTH, TX 761094912 | DELTA DENTAL INSURANCE COMPANY | $377 | — | $377 | 0.52% |
| FROST INSURANCE AGENCY INC3 Filed as: FROST INS AGENCY INC | PO BOX 33528 FORT WORTH, TX 761623528 | METROPOLITAN LIFE INSURANCE | $8K | $21 | $8K | 12.71% |
| FROST INSURANCE AGENCY INC3 Filed as: FROST INS AGENCY INC | 3611 PAESANOS PKWY STE 100 SAN ANTONIO, TN 782311256 | METROPOLITAN LIFE INSURANCE | $0 | $3K | $3K | 4.29% |
| ASSOCIATED AGENCIES, INC3 Filed as: ASSOCIATED AGENCIES, INC. | 1701 GOLF RD, 7TH FLR TOWER BLDG 3 STE 700 ROLLING MEADOWS, IL 60008 | METROPOLITAN LIFE INSURANCE | $464 | $49 | $513 | 0.79% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP INS SERVICES INC | 1250 S CAPITAL OF TEXAS HWY BLDG 2 STE 125 AUSTIN, TX 787466446 | METROPOLITAN LIFE INSURANCE | $487 | — | $487 | 0.75% |
| FROST INSURANCE AGENCY INC3 | 4200 S HULEN ST. STE 330 FORT WORTH, TX 761094912 | HARTFORD LIFE AND ACCIDENT INSURANCE COMPANY | $4K | — | $4K | 6.82% |
| FROST INSURANCE AGENCY INC3 | 4200 S HULEN ST. STE 330 FORT WORTH, TX 761094912 | EXPRESS SCRIPTS, INC. | $2K | — | $2K | 3.01% |
| FROST INSURANCE AGENCY INC3 Filed as: FROST INSURANCE AGENCY | 4200 S HULEN ST STE 330 FORT WORTH, TX 761094912 | VISION SERVICE PLAN | $946 | — | $946 | 6.11% |
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 | 136 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 24 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 160 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | BLUE CROSS AND BLUE SHIELD OF TEXAS, INC. | 220 | $1.1M |
| Dental | DELTA DENTAL INSURANCE COMPANY | 248 | $72K |
| Vision | VISION SERVICE PLAN | 88 | $15K |
| Life insurance | METROPOLITAN LIFE INSURANCE | 201 | $65K |
| Long-term disability | METROPOLITAN LIFE INSURANCE | 201 | $65K |
| Prescription drug | EXPRESS SCRIPTS, INC. | 26 | $53K |
| Stop-loss / reinsurancereinsurance | BLUE CROSS AND BLUE SHIELD OF TEXAS, INC. | 220 | $1.0M |
| Other | METROPOLITAN LIFE INSURANCE | 201 | $65K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 248 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.