| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| FROST INSURANCE AGENCY INC3 Filed as: FROST INSURANCE AGENCY | — | BLUECROSS BLUESHIELD OF TEXAS | $280K | $11K | $290K | 2.82% |
| FROST INSURANCE AGENCY INC3 | 2950 NORTH HARWOOD DRIVE SUITE 1200 DALLAS, TX 75201 | HARTFORD LIFE AND ACCIDENT | $180K | — | $180K | 15.55% |
| FROST INSURANCE AGENCY INC3 Filed as: FROST INSURANCE AGENCY | 3611 PAESANO PARKWAY SAN ANTONIO, TX 78231 | HARTFORD LIFE AND ACCIDENT | — | $14K | $14K | 1.18% |
| FROST INSURANCE AGENCY INC3 Filed as: FROST INSURANCE AGENCY | PO BOX 225749 DALLAS, TX 75222 | PAN-AMERICAN LIFE INSURANCE COMPANY | $58K | — | $58K | 11.66% |
| FROST INSURANCE AGENCY INC3 Filed as: FROST INSURANCE AGENCY, INC. | — | ACE USA GROUP | $18K | — | $18K | 9.99% |
| FROST INSURANCE AGENCY INC3 Filed as: FROST INSURANCE AGENCY, INC. | — | ACE USA GROUP | $13K | — | $13K | 10.01% |
| FROST INSURANCE AGENCY INC3 Filed as: FROST INSURANCE AGENCY | PO BOX 225749 DALLAS, TX 75222 | 5 STAR LIFE INSURANCE COMPANY | $253 | — | $253 | 1.85% |
| GREGORY LAKE JONES3 | 6400 CROSS TIMBERS ROAD FLOWER MOUND, TX 75022 | AFLAC | $245 | — | $245 | 3.17% |
| FORREST L GIBBS3 | 901 HONDO ROAD LANTANA, TX 76226 | AFLAC | $151 | — | $151 | 1.95% |
| CRAIG S DAVIES3 | 109 TIMBER CREEK COURT ARGYLE, TX 76226 | AFLAC | $119 | — | $119 | 1.54% |
| SUSAN W JONES3 | 6400 CROSS TIMBERS ROAD FLOWER MOUND, TX 75022 | AFLAC | $97 | — | $97 | 1.25% |
| DOUGLAS E GILREATH3 | 2701 MACARTHUR BOULEVARD APARTMENT 810 LEWISVILLE, TX 75067 | AFLAC | $60 | — | $60 | 0.78% |
| FROST INSURANCE AGENCY INC3 | 5710 LBJ SUITE 460 DALLAS, TX 75240 | AFLAC | $29 | — | $29 | 0.38% |
| MARJORIE LYNN SAENZ3 | 6221 FIELDCREST LANE SACHSE, TX 75048 | AFLAC | $22 | — | $22 | 0.28% |
| JOHN M JOHNSON3 | 2150 WEST NORTHWEST HIGHWAY SUITE 114 GRAPEVINE, TX 76051 | AFLAC | $17 | — | $17 | 0.22% |
| MARCO JOE KLIMEK3 | 1501 LYNDON B JOHNSON FREEWAY SUITE 660 DALLAS, TX 75234 | AFLAC | $15 | — | $15 | 0.19% |
| MARJORIE LYNN SAENZ3 | 6221 FIELDCREST LANE SACHSE, TX 75048 | AFLAC | $11 | — | $11 | 0.14% |
| DARON H PHILLIPS3 | 8690 FM 1979 MARTINDALE, TX 78655 | AFLAC | $3 | — | $3 | 0.04% |
| ZACHARY EUGENE VICKERS3 Filed as: ZACHARY K JOHNSON | 4447 NORTH CENTRAL EXPRESSWAY SUITE 110 DALLAS, TX 75205 | AFLAC | $2 | — | $2 | 0.03% |
| T ALLEN HOWDESHELL3 | 2400 STATE HIGHWAY 121 APARTMENT 2403 EULESS, TX 76039 | AFLAC | $2 | — | $2 | 0.03% |
| SHELLY WIEGAND3 | 2607 ARMATRADING DRIVE CEDAR PARK, TX 78613 | AFLAC | $2 | — | $2 | 0.03% |
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 | 1,127 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 160 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,288 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | ACE USA GROUP | 533 | $127K |
| Vision | ACE USA GROUP | 1,050 | $184K |
| Life insurance(2 contracts, 2 carriers) | HARTFORD LIFE AND ACCIDENT | 2,074 | $1.2M |
| Short-term disability | HARTFORD LIFE AND ACCIDENT | 2,074 | $1.2M |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 2,074 | $1.2M |
| Stop-loss / reinsurancereinsurance | BLUECROSS BLUESHIELD OF TEXAS | 1,811 | $10.3M |
| Other(4 contracts, 4 carriers) | HARTFORD LIFE AND ACCIDENT | 2,074 | $1.7M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,074 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.