| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| FROST INSURANCE AGENCY INC3 | 111 WEST HOUSTON STREET SAN ANTONIO, TX 78205 | HARTFORD LIFE AND ACCIDENT | $11K | $0 | $11K | 7.25% |
| FROST INSURANCE AGENCY INC3 | PO BOX 16509 FORT WORTH, TX 76162 | METROPOLITAN LIFE INSURANCE COMPANY | $15K | $33 | $15K | 10.03% |
| FROST INSURANCE AGENCY INC3 | PO BOX 2411 SAN ANTONIO, TX 78298 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $4K | $4K | 2.47% |
| FROST INSURANCE AGENCY INC3 | 3707 RICHMOND AVENUE, SUITE 330 HOUSTON, TX 77046 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $8K | $617 | $9K | 28.23% |
| CHRISTOPHER THOMAS SMITH3 | 2928 FOSTER CREIGHTON DRIVE NASHVILLE, TN 37204 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $43 | $0 | $43 | 0.14% |
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 | 323 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 325 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 619 | $145K |
| Vision | METROPOLITAN LIFE INSURANCE COMPANY | 619 | $145K |
| Life insurance | HARTFORD LIFE AND ACCIDENT | 350 | $150K |
| Short-term disability | HARTFORD LIFE AND ACCIDENT | 350 | $150K |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 350 | $150K |
| Other(3 contracts, 3 carriers) | HARTFORD LIFE AND ACCIDENT | 476 | $188K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 619 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.