| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| FROST INSURANCE AGENCY INC3 Filed as: FROST INSURANCE AGENCY, INC. | 401 CONGRESS AVE., STE 1400 AUSTIN, TX 78701 | BLUECROSS BLUESHIELD OF TEXAS | $31K | $0 | $31K | 2.30% |
| FROST INSURANCE AGENCY INC3 | SUITE 330 4200 SOUTH HULEN STREET FORT WORTH, TX 76109 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $6K | $0 | $6K | 8.00% |
| IMG5 | 2960 NORTH MERIDIAN STREET INDIANAPOLIS, IN 46208 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | — | $24 | $24 | 0.03% |
| AXA ASSISTANCE, USA5 | 122 SOUTH MICHIGAN AVEUNE SUITE 1100 CHICAGO, IL 606036115 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | — | $5 | $5 | 0.01% |
| FROST INSURANCE AGENCY INC3 | 4200 S HULLEN ST STE 330 FORT WORTH, TX 761094912 | DELTA DENTAL INSURANCE COMPANY | $416 | $8K | $8K | 11.87% |
| FROST INSURANCE AGENCY INC3 Filed as: FROST INSURANCE | 640 TAYLOR STREET FORT WORTH, TX 76102 | HARTFORD LIFE AND ACCIDENT INSURANCE COMPANY | $4K | $0 | $4K | 6.74% |
| FROST INSURANCE AGENCY INC3 Filed as: FROST INSURANCE | 640 TAYLOR STREET FORT WORTH, TX 76102 | EXPRESS SCRIPTS | $1K | $0 | $1K | 2.62% |
| FROST INSURANCE AGENCY INC3 Filed as: FROST INSURANCE AGENCY | 640 TAYLOR ST FORTH WORTH, TX 761024820 | VISION SERVICE PLAN | $1K | $0 | $1K | 5.56% |
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 | 123 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 15 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 4 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 142 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | BLUECROSS BLUESHIELD OF TEXAS | 248 | $1.4M |
| Dental | DELTA DENTAL INSURANCE COMPANY | 133 | $68K |
| Vision | VISION SERVICE PLAN | 94 | $20K |
| Life insurance | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 138 | $72K |
| Long-term disability | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 138 | $72K |
| Prescription drug | EXPRESS SCRIPTS | 21 | $48K |
| Stop-loss / reinsurancereinsurance | BLUECROSS BLUESHIELD OF TEXAS | 248 | $1.3M |
| Other | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 138 | $72K |
| 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."
No prospect flags tripped on this filing.