| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL INS | 7770 JEFFERSON ST NE, STE 101 ALBUQUERQUE, NM 87109 | AMERICAN UNITED LIFE INSURANCE COMPANY | $25K | $5K | $29K | 16.06% |
| FROST INSURANCE AGENCY INC3 Filed as: FROST INSURANCE AGENCY, INC. | 640 TAYLOR STREET FORT WORTH, TX 76102 | AMERICAN UNITED LIFE INSURANCE COMPANY | $3K | — | $3K | 1.41% |
| GPA3 | 12770 MERIT DRIVE DALLAS, TX 72251 | TOKIO MARINE HGC | $9K | $3K | $12K | 13.60% |
| FROST INSURANCE AGENCY INC3 Filed as: FROST INSURANCE AGENCY | 640 TAYLOR STREET FORT WORTH, TX 76102 | VISION SERVICE PLAN | $7K | — | $7K | 8.95% |
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 | 602 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 49 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 652 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | VISION SERVICE PLAN | 577 | $78K |
| Life insurance | AMERICAN UNITED LIFE INSURANCE COMPANY | 601 | $183K |
| Other(2 contracts, 2 carriers) | AMERICAN UNITED LIFE INSURANCE COMPANY | 601 | $270K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 601 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.