| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| FROST INSURANCE AGENCY INC3 Filed as: FROST INSURANCE AGENCY, INC | — | BLUECROSS BLUESHIELD OF TEXAS | $42K | $1K | $43K | 14.25% |
| FROST INSURANCE AGENCY INC3 Filed as: FROST INSURANCE AGENCY, INC. | PO BOX 225749 DALLAS, TX 75222 | ACE USA GROUP | $15K | — | $15K | 14.05% |
| FROST INSURANCE AGENCY INC3 Filed as: FROST INSURANCE AGENCY | PO BOX 225749 DALLAS, TX 75222 | DEARBORN NATIONAL LIFE INSURANCE COMPANY | $5K | — | $5K | 14.96% |
| FROST INSURANCE AGENCY INC3 Filed as: FROST INSURANCE AGENCY, INC | PO BOX 33528 FORT WORTH, TX 76162 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2K | $189 | $2K | 8.29% |
| JACQUELINE ST HILAIRE3 | 2312 BLUE CYPRESS DRIVE RICHARDSON, TX 75082 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $702 | $196 | $898 | 4.37% |
| FRANCISCO X CABRERA3 | 8616 PALMER CT MCKINNEY, TX 75070 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $586 | $66 | $652 | 3.17% |
| VIRGINIA LEDER-CLARK3 | 5213 MARSHALL CREEK FLOWER MOUND, TX 75028 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $299 | $53 | $352 | 1.71% |
| COLONIAL OF NORTH TEXAS INSURANCE3 | 4621 GLEN HEATHER DRIVE FRISCO, TX 75034 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $181 | $115 | $296 | 1.44% |
| SA GENERAL AGENCY INC3 Filed as: SA GENERAL AGENCY, INC | 9385 MILLER LANE GARDEN RIDGE, TX 78266 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $64 | $20 | $84 | 0.41% |
| JOE FERNANDEZ3 | 6136 FRISCO SQUARE BLVD FRISCO, TX 75034 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $22 | $7 | $29 | 0.14% |
| GRACIELA V FERNANDEZ-NEWELL3 | 13325 SPINNING GLEN STREET EULESS, TX 76040 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $13 | $1 | $14 | 0.07% |
| SOFIA ASHLEY SIMCOX3 | 2250 MARSH LANE #4111 CARROLTON, TX 75006 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $3 | — | $3 | 0.01% |
| FROST INSURANCE AGENCY INC3 | 401 CONGRESS AVENUE SUITE 1400 AUSTIN, TX 78701 | ACE USA GROUP | $3K | — | $3K | 13.74% |
| FROST INSURANCE AGENCY INC3 Filed as: FROST INSURANCE AGENCY | PO BOX 225749 DALLAS, TX 75222 | DEARBORN NATIONAL LIFE INSURANCE COMPANY | $1K | — | $1K | 15.00% |
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 | 158 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 158 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | ACE USA GROUP | 154 | $106K |
| Vision | ACE USA GROUP | 127 | $20K |
| Life insurance(2 contracts) | DEARBORN NATIONAL LIFE INSURANCE COMPANY | 126 | $45K |
| Short-term disability(2 contracts) | DEARBORN NATIONAL LIFE INSURANCE COMPANY | 126 | $45K |
| Long-term disability(2 contracts) | DEARBORN NATIONAL LIFE INSURANCE COMPANY | 126 | $45K |
| Stop-loss / reinsurancereinsurance | BLUECROSS BLUESHIELD OF TEXAS | 283 | $300K |
| Other(3 contracts, 2 carriers) | DEARBORN NATIONAL LIFE INSURANCE COMPANY | 126 | $66K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 283 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.