| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| FROST INSURANCE AGENCY INC3 Filed as: FROST INSURANCE AGENCY, INC. | — | BLUECROSS BLUESHIELD OF TEXAS | $298K | — | $298K | 2.83% |
| FROST INSURANCE AGENCY INC3 Filed as: FROST INSURANCE AGCY INC | — | AMERICAN UNITED LIFE INSURANCE COMPANY | $215K | $42K | $257K | 20.20% |
| FROST INSURANCE AGENCY INC3 Filed as: FROST INSURANCE AGENCY | PO BOX 225749 DALLAS, TX 75222 | PAN-AMERICAN LIFE INSURANCE COMPANY | $43K | — | $43K | 11.67% |
| FROST INSURANCE AGENCY INC3 Filed as: FROST INSURANCE AGENCY | — | ACE AMERICAN INSURANCE COMPANY | $21K | — | $21K | 9.96% |
| FROST INSURANCE AGENCY INC3 Filed as: FROST INSURANCE AGENCY | — | ACE AMERICAN INSURANCE COMPANY | $17K | — | $17K | 10.04% |
| FROST INSURANCE AGENCY INC3 Filed as: FROST INSURANCE AGENCY | PO BOX 225749 DALLAS, TX 75222 | 5STAR LIFE INSURANCE COMPANY | $211 | — | $211 | 2.39% |
| GREGORY LAKE JONES3 | 4116 MUSTANG TRAIL FLOWER MOUND, TX 75028 | AFLAC | $78 | — | $78 | 2.87% |
| SUSAN W JONES3 | 4116 MUSTANG TRAIL FLOWER MOUND, TX 75028 | AFLAC | $48 | — | $48 | 1.77% |
| CRAIG S DAVIES3 | 531 SANDY LANE FLOWER MOUND, TX 75022 | AFLAC | $39 | — | $39 | 1.44% |
| DOUGLAS E GILREATH3 | 2701 MACARTHUR BOULEVARD APARTMENT 302 LEWISVILLE, TX 75067 | AFLAC | $36 | — | $36 | 1.33% |
| MARJORIE LYNN SAENZ3 | 6221 FIELDCREST LANE SACHSE, TX 75048 | AFLAC | $31 | — | $31 | 1.14% |
| FORREST L GIBBS3 | 901 HONDO ROAD LANTANA, TX 76226 | AFLAC | $18 | — | $18 | 0.66% |
| JOHN M JOHNSON3 | 2150 WEST NORTHWEST HIGHWAY SUITE 114 GRAPEVINE, TX 76051 | AFLAC | $7 | — | $7 | 0.26% |
| MARCO JOE KLIMEK3 | 1501 LYNDON B JOHNSON FREEWAY SUITE 660 DALLAS, TX 75234 | AFLAC | $4 | — | $4 | 0.15% |
| DARON H PHILLIPS3 | 8690 FM 1979 MARTINDALE, TX 78655 | AFLAC | $3 | — | $3 | 0.11% |
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 | 1,171 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 10 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,181 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | ACE AMERICAN INSURANCE COMPANY | 571 | $172K |
| Vision | ACE AMERICAN INSURANCE COMPANY | 1,249 | $211K |
| Life insurance(2 contracts, 2 carriers) | AMERICAN UNITED LIFE INSURANCE COMPANY | 1,393 | $1.3M |
| Short-term disability | AMERICAN UNITED LIFE INSURANCE COMPANY | 1,393 | $1.3M |
| Long-term disability | AMERICAN UNITED LIFE INSURANCE COMPANY | 1,393 | $1.3M |
| Stop-loss / reinsurancereinsurance | BLUECROSS BLUESHIELD OF TEXAS | 1,865 | $10.5M |
| Other(4 contracts, 4 carriers) | AMERICAN UNITED LIFE INSURANCE COMPANY | 1,393 | $1.7M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,865 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.