| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| FROST INSURANCE AGENCY INC3 Filed as: FROST BANKING INVESTMENT | 640 TAYLOR STREET FORT WORTH, TX 76102 | SKYWARD (HIIG) | $35K | $42K | $78K | 24.38% |
| FROST INSURANCE AGENCY INC3 Filed as: FROST INS AGENCY INC | PO BOX 16509 FORT WORTH, TX 761620509 | METROPOLITAN LIFE INSURANCE COMPANY | $13K | $96 | $14K | 8.15% |
| FROST INSURANCE AGENCY INC3 Filed as: FROST INS AGENCY INC | PO BOX 2411 SAN ANTONIO, TX 782982411 | METROPOLITAN LIFE INSURANCE COMPANY | — | $3K | $3K | 1.58% |
| FROST INSURANCE AGENCY INC3 Filed as: FROST INSURANCE AGENCY | 640 TAYLOR ST FORT WORTH, TX 761024820 | METROPOLITAN LIFE INSURANCE COMPANY | — | $120 | $120 | 0.07% |
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 | 369 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 9 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 379 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | SKYWARD (HIIG) | 170 | $319K |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 533 | $167K |
| Vision | METROPOLITAN LIFE INSURANCE COMPANY | 533 | $167K |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 533 | $167K |
| Prescription drug | SKYWARD (HIIG) | 170 | $319K |
| Stop-loss / reinsurancereinsurance | SKYWARD (HIIG) | 170 | $319K |
| Other | METROPOLITAN LIFE INSURANCE COMPANY | 533 | $167K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 533 | — |
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.