| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CENTERSTONE INSURANCE AND FINANCIAL3 | 5090 NORTH 40TH STREET SUITE 100 PHOENIX, AZ 85018 | RELIASTAR LIFE INSURANCE COMPANY | $11K | $43K | $53K | 6.23% |
| FROST INSURANCE AGENCY INC3 Filed as: FROST INSURANCE AGENCY | PO BOX 225749 DALLAS, TX 75222 | PAN-AMERICAN LIFE INSURANCE COMPANY | $53K | — | $53K | 11.65% |
| FROST INSURANCE AGENCY INC3 | 2950 NORTH HARWOOD SUITE 1200 DALLAS, TX 75201 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $84K | — | $84K | 20.00% |
| FROST INSURANCE AGENCY INC3 | PO BOX 33528 FORT WORTH, TX 76162 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $19K | $19K | 4.44% |
| FROST INSURANCE AGENCY INC3 | 2950 NORTH HARWOOD SUITE 1200 DALLAS, TX 75201 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $60K | — | $60K | 15.00% |
| FROST INSURANCE AGENCY INC3 | PO BOX 33528 FORT WORTH, TX 76162 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $19K | $19K | 4.68% |
| FROST INSURANCE AGENCY INC3 | 2950 NORTH HARWOOD SUITE 1200 DALLAS, TX 75201 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $41K | — | $41K | 15.00% |
| FROST INSURANCE AGENCY INC3 | PO BOX 33528 FORT WORTH, TX 76162 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $15K | $15K | 5.54% |
| FROST INSURANCE AGENCY INC3 Filed as: FROST INSURANCE AGENCY, INC. | — | ACE AMERICAN INSURANCE COMPANY | $18K | — | $18K | 10.00% |
| FROST INSURANCE AGENCY INC3 Filed as: FROST INSURANCE AGENCY, INC. | — | ACE AMERICAN INSURANCE COMPANY | $12K | — | $12K | 10.00% |
| FROST INSURANCE AGENCY INC3 | 2950 NORTH HARWOOD DRIVE SUITE 1200 DALLAS, TX 75201 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $2K | — | $2K | 15.00% |
| FROST INSURANCE AGENCY INC3 | PO BOX 33528 FORT WORTH, TX 76162 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $1K | $1K | 7.13% |
| FROST INSURANCE AGENCY INC3 Filed as: FROST INSURANCE AGENCY | PO BOX 225749 DALLAS, TX 75222 | 5STAR LIFE INSURANCE COMPANY | $212 | — | $212 | 2.19% |
| GREGORY LAKE JONES3 | 6400 CROSS TIMBERS ROAD FLOWER MOUND, TX 75022 | AFLAC | $202 | — | $202 | 3.16% |
| FORREST L GIBBS3 | 901 HONDO ROAD LANTANA, TX 76226 | AFLAC | $121 | — | $121 | 1.89% |
| CRAIG S DAVIES3 | 109 TIMBER CREEK COURT ARGYLE, TX 76226 | AFLAC | $99 | — | $99 | 1.55% |
| SUSAN W JONES3 | 6400 CROSS TIMBERS ROAD FLOWER MOUND, TX 75022 | AFLAC | $81 | — | $81 | 1.27% |
| DOUGLAS E GILREATH3 | 2701 MACARTHUR BOULEVARD APARTMENT 810 LEWISVILLE, TX 75067 | AFLAC | $55 | — | $55 | 0.86% |
| MARJORIE LYNN SAENZ3 | 6221 FIELDCREST LANE SACHSE, TX 75048 | AFLAC | $31 | — | $31 | 0.48% |
| MARCO JOE KLIMEK3 | 1501 LYNDON B JOHNSON FREEWAY SUITE 660 DALLAS, TX 75234 | AFLAC | $12 | — | $12 | 0.19% |
| FROST INSURANCE AGENCY INC3 | 5710 LYNDON B JOHNSON FREEWAY SUITE 460 DALLAS, TX 75240 | AFLAC | $10 | — | $10 | 0.16% |
| JOHN M JOHNSON3 | 2150 WEST NORTHWEST HIGHWAY SUITE 114-1144 GRAPEVINE, TX 76051 | AFLAC | $8 | — | $8 | 0.13% |
| JOHN M JOHNSON3 | 2150 WEST NORTHWEST HIGHWAY SUITE 114 GRAPEVINE, TX 76051 | AFLAC | $6 | — | $6 | 0.09% |
| DARON H PHILLIPS3 | 8690 FM 1979 MARTINDALE, TX 78655 | AFLAC | $3 | — | $3 | 0.05% |
| ZACHARY EUGENE VICKERS3 Filed as: ZACHARY K JOHNSON | 4447 NORTH CENTRAL EXPRESSWAY SUITE 110 DALLAS, TX 75205 | AFLAC | $2 | — | $2 | 0.03% |
| SHELLY WIEGAND3 | 2607 ARMATRADING DRIVE CEDAR PARK, TX 78613 | AFLAC | $1 | — | $1 | 0.02% |
| T ALLEN HOWDESHELL3 | 2400 STATE HIGHWAY 121 APARTMENT 2403 EULESS, TX 76039 | AFLAC | $1 | — | $1 | 0.02% |
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 | 1,205 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 7 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 31 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,243 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | ACE AMERICAN INSURANCE COMPANY | 543 | $123K |
| Vision | ACE AMERICAN INSURANCE COMPANY | 1,134 | $182K |
| Life insurance(3 contracts, 2 carriers) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 1,205 | $446K |
| Short-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 770 | $400K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 438 | $270K |
| Stop-loss / reinsurancereinsurance | RELIASTAR LIFE INSURANCE COMPANY | 1,142 | $857K |
| Other(5 contracts, 4 carriers) | PAN-AMERICAN LIFE INSURANCE COMPANY | 1,205 | $912K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,205 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.