| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| FROST INSURANCE AGENCY INC3 Filed as: FROST INSURANCE AGENCY | — | BLUECROSS BLUESHIELD OF TEXAS | $313K | $6K | $319K | 3.93% |
| FROST INSURANCE AGENCY INC3 Filed as: FROST INSURANCE AGENCY | 3611 PAESANO PARKWAY SAN ANTONIO, TX 78231 | HARTFORD LIFE AND ACCIDENT | $177K | — | $177K | 18.34% |
| FROST INSURANCE AGENCY INC3 Filed as: FROST INSURANCE AGENCY | 5710 LBJ FREEWAY SUITE 460 DALLAS, TX 75240 | PAN-AMERICAN LIFE INSURANCE COMPANY | $64K | — | $64K | 11.65% |
| FROST INSURANCE AGENCY INC3 Filed as: FROST INSURANCE AGENCY, INC. | — | ACE USA GROUP | $18K | — | $18K | 9.98% |
| FROST INSURANCE AGENCY INC3 Filed as: FROST INSURANCE AGENCY, INC. | — | ACE USA GROUP | $13K | — | $13K | 10.06% |
| GREGORY LAKE JONES3 | 6400 CROSS TIMBERS ROAD FLOWER MOUND, TX 75022 | AFLAC | $298 | — | $298 | 3.24% |
| FORREST L GIBBS3 | 901 HONDO ROAD LANTANA, TX 76226 | AFLAC | $219 | — | $219 | 2.38% |
| CRAIG S DAVIES3 | 109 TIMBER CREEK COURT ARGYLE, TX 76226 | AFLAC | $145 | — | $145 | 1.58% |
| SUSAN W JONES3 | 6400 CROSS TIMBERS ROAD FLOWER MOUND, TX 75022 | AFLAC | $126 | — | $126 | 1.37% |
| DOUGLAS E GILREATH3 | 2701 MACARTHUR BLVD APT 810 LEWWIVILLE, TX 75067 | AFLAC | $60 | — | $60 | 0.65% |
| MARJORIE LYNN SAENZ3 | 6221 FIELDCREST LANE SACHISE, TX 75048 | AFLAC | $34 | — | $34 | 0.37% |
| FROST INSURANCE AGENCY INC3 Filed as: FROST INSURANCE AGENCY, INC | 5710 LBJ, SUITE 460 DALLAS, TX 75234 | AFLAC | $29 | — | $29 | 0.32% |
| MARCO JOE KLIMEK3 | 1501 LYNDON B JOHNSON FWY SUITE 660 DALLAS, TX 75234 | AFLAC | $28 | — | $28 | 0.30% |
| JOHN M JOHNSON3 | 2150 W NORTHWEST HWY, SUITE 114 GRAPEVINE, TX 76051 | AFLAC | $10 | — | $10 | 0.11% |
| DARON H PHILLIPS3 | 8690 FM 1979 MARTINDALE, TX 78655 | AFLAC | $1 | — | $1 | 0.01% |
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 | 1,034 | 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) | 1,034 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | PAN-AMERICAN LIFE INSURANCE COMPANY | 397 | $550K |
| Dental | ACE USA GROUP | 512 | $128K |
| Vision | ACE USA GROUP | 1,033 | $178K |
| Life insurance | HARTFORD LIFE AND ACCIDENT | 1,973 | $965K |
| Short-term disability | HARTFORD LIFE AND ACCIDENT | 1,973 | $965K |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 1,973 | $965K |
| Stop-loss / reinsurancereinsurance | BLUECROSS BLUESHIELD OF TEXAS | 1,701 | $8.1M |
| Other(3 contracts, 3 carriers) | HARTFORD LIFE AND ACCIDENT | 1,973 | $1.5M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,973 | — |
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.