| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| FROST INSURANCE AGENCY INC3 Filed as: FROST INSURANCE AGENCY, INC | — | BLUECROSS BLUESHIELD OF TEXAS | $304K | $11K | $315K | 2.78% |
| FROST INSURANCE AGENCY INC3 | 2950 NORTH HARWOOD SUITE 1200 DALLAS, TX 75201 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $91K | — | $91K | 20.00% |
| FROST INSURANCE AGENCY INC3 | 2950 NORTH HARWOOD SUITE 1200 DALLAS, TX 75201 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $63K | — | $63K | 15.00% |
| FROST INSURANCE AGENCY INC3 Filed as: FROST INSURANCE AGENCY | PO BOX 225749 DALLAS, TX 75222 | PAN-AMERICAN LIFE INSURANCE COMPANY | $44K | — | $44K | 11.65% |
| FROST INSURANCE AGENCY INC3 | 2950 NORTH HARWOOD SUITE 1200 DALLAS, TX 75201 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $44K | — | $44K | 15.00% |
| FROST INSURANCE AGENCY INC3 Filed as: FROST INSURANCE AGENCY, INC. | — | ACE AMERICAN INSURANCE COMPANY | $19K | — | $19K | 9.99% |
| FROST INSURANCE AGENCY INC3 Filed as: FROST INSURANCE AGENCY, INC. | — | ACE AMERICAN INSURANCE COMPANY | $12K | — | $12K | 10.02% |
| FROST INSURANCE AGENCY INC3 | 2950 NORTH HARWOOD DRIVE SUITE 1200 DALLAS, TX 75201 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $3K | — | $3K | 15.00% |
| FROST INSURANCE AGENCY INC3 Filed as: FROST INSURANCE AGENCY | PO BOX 225749 DALLAS, TX 75222 | 5STAR LIFE INSURANCE COMPANY | $167 | — | $167 | 1.82% |
| GREGORY LAKE JONES3 | 433 LAS COLINAS BOULEVARD EAST SUITE 1150 IRVING, TX 75039 | AFLAC | $80 | — | $80 | 2.33% |
| FORREST L GIBBS3 | 901 HONDO ROAD LANTANA, TX 76226 | AFLAC | $50 | — | $50 | 1.45% |
| CRAIG S DAVIES3 | 401 BOYD DRIVE APARTMENT 5106 GRAPEVINE, TX 76051 | AFLAC | $43 | — | $43 | 1.25% |
| SUSAN W JONES3 | 6400 CROSS TIMBERS ROAD FLOWER MOUND, TX 75022 | AFLAC | $37 | — | $37 | 1.08% |
| DOUGLAS E GILREATH3 | 2701 MACARTHUR BOULEVARD APARTMENT 302 LEWISVILLE, TX 75067 | AFLAC | $36 | — | $36 | 1.05% |
| MARJORIE LYNN SAENZ3 | 6221 FIELDCREST LANE SACHSE, TX 75048 | AFLAC | $31 | — | $31 | 0.90% |
| GREGORY LAKE JONES3 | 14901 QUORUM DRIVE SUITE 850 DALLAS, TX 75254 | AFLAC | $23 | — | $23 | 0.67% |
| SUSAN W JONES3 | 4116 MUSTANG TRAIL FLOWER MOUND, TX 75028 | AFLAC | $14 | — | $14 | 0.41% |
| JOHN M JOHNSON3 | 2150 WEST NORTHWEST HIGHWAY SUITE 114-1144 GRAPEVINE, TX 76051 | AFLAC | $8 | — | $8 | 0.23% |
| CRAIG S DAVIES3 | 531 SANDY LANE FLOWER MOUND, TX 75022 | AFLAC | $8 | — | $8 | 0.23% |
| MARCO JOE KLIMEK3 | 1501 LYNDON B JOHNSON FREEWAY SUITE 660 DALLAS, TX 75234 | AFLAC | $7 | — | $7 | 0.20% |
| DARON H PHILLIPS3 | 8690 FM 1979 MARTINDALE, TX 78655 | AFLAC | $3 | — | $3 | 0.09% |
| ZAHCARY K JOHNSON3 | 4447 NORTH CENTRAL EXPRESSWAY SUITE 110 DALLAS, TX 75205 | AFLAC | $1 | — | $1 | 0.03% |
| SHELLY WIEGAND3 | 2607 ARMATRADING DRIVE DCEDAR PARK, TX 78613 | AFLAC | $1 | — | $1 | 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 | 1,242 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 7 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 113 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,362 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | ACE AMERICAN INSURANCE COMPANY | 563 | $120K |
| Vision | ACE AMERICAN INSURANCE COMPANY | 1,224 | $189K |
| Life insurance(3 contracts, 2 carriers) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 1,305 | $484K |
| Short-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 819 | $417K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 454 | $292K |
| Stop-loss / reinsurancereinsurance | BLUECROSS BLUESHIELD OF TEXAS | 2,076 | $11.3M |
| Other(5 contracts, 4 carriers) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 1,305 | $867K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,076 | — |
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.
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.