| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| FROST INSURANCE AGENCY INC3 Filed as: FROST INSURANCE AGENCY, INC. | 401 CONGRESS AVENUE 14TH FLOOR AUSTIN, TX 78701 | UNITEDHEALTHCARE INSURANCE COMPANY | $8K | $37K | $45K | 6.03% |
| JAIME I VILLASANA3 | 1500 HIDDEN GLEN DRIVE ROUND ROCK, TX 78681 | AFLAC | $5K | $0 | $5K | 29.18% |
| NIGEL M HIGGS3 Filed as: NIGEL M. HIGGS | 1363 RED TOWN ROAD ELGIN, TX 78613 | AFLAC | $2K | $0 | $2K | 11.12% |
| SHELLY WIEGAND3 | 2607 ARMATRADING DRIVE CEDAR PARK, TX 78613 | AFLAC | $878 | $0 | $878 | 5.06% |
| CHARLES R WEINHOLD3 Filed as: CHARLES R. WEINHOLD | 8519 CAHILL DRIVE SUITE 2211 AUSTIN, TX 78729 | AFLAC | $377 | $0 | $377 | 2.17% |
| BRIAN GRAEF3 Filed as: BRIAN A GRAEF | 659 WOODCREEK COURT SALINE, MI 48176 | AFLAC | $14 | $0 | $14 | 0.08% |
| TERRY MICHAEL LAXSON3 Filed as: TERRY LAXSON AND VAR. AGENTS | 6836 FM 2244 ROAD BUILDING 3 AUSTIN, TX 78746 | AFLAC | $8 | $0 | $8 | 0.05% |
| ALAN BERGMANN3 | 2144 MADERO DRIVE THE VILLAGES, FL 32159 | AFLAC | $5 | $0 | $5 | 0.03% |
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 | 226 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 3 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 229 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 226 | $752K |
| Dental | UNITEDHEALTHCARE INSURANCE COMPANY | 226 | $752K |
| Vision | UNITEDHEALTHCARE INSURANCE COMPANY | 226 | $752K |
| Life insurance | UNITEDHEALTHCARE INSURANCE COMPANY | 226 | $752K |
| Short-term disability | AFLAC | 21 | $17K |
| Other(2 contracts, 2 carriers) | UNITEDHEALTHCARE INSURANCE COMPANY | 226 | $770K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 226 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.