| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| FROST INSURANCE AGENCY INC3 Filed as: FROST INSURANCE AGENCY, INC. | — | BLUECROSS BLUESHIELD OF TEXAS | $75K | $927 | $76K | 4.00% |
| FROST INSURANCE AGENCY INC3 | 640 TAYLOR STREET SUITE 1000 FORT WORTH, TX 76102 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $7K | — | $7K | 16.83% |
| FROST INSURANCE AGENCY INC3 | 640 TAYLOR STREET SUITE 1000 FORT WORTH, TX 76102 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $4K | — | $4K | 16.65% |
| FROST INSURANCE AGENCY INC3 | 640 TAYLOR STREET SUITE 1000 FORT WORTH, TX 76102 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $3K | — | $3K | 16.66% |
| FROST INSURANCE AGENCY INC3 | PO BOX 225749 DALLAS, TX 75222 | AMERITAS LIFE INSURANCE CORP. | $1K | — | $1K | 8.99% |
| FROST INSURANCE AGENCY INC3 | PO BOX 2411 SAN ANTONIO, TX 78298 | AMERITAS LIFE INSURANCE CORP. | $141 | — | $141 | 1.01% |
| BOWIE BALLARD3 | 411 BUCKINGHAM ROAD APARTMENT 1014 RICHARDSON, TX 75081 | PRE-PAID LEGAL SERVICES INC DBA LEAGALSHIELD | $1K | — | $1K | 12.78% |
| FROST INSURANCE AGENCY INC3 | 640 TAYLOR STREET SUITE 1000 FORT WORTH, TX 76102 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $808 | — | $808 | 17.26% |
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 | 144 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 1 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 146 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUECROSS BLUESHIELD OF TEXAS | 260 | $1.9M |
| Dental | BLUECROSS BLUESHIELD OF TEXAS | 260 | $1.9M |
| Vision | AMERITAS LIFE INSURANCE CORP. | 112 | $14K |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 145 | $42K |
| Short-term disability(2 contracts) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 145 | $18K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 145 | $25K |
| Other(3 contracts, 2 carriers) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 145 | $57K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 260 | — |
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."
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.