| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| FROST INSURANCE AGENCY INC3 Filed as: FROST INSURANCE AGENCY | 401 CONGRESS AVENUE AUSTIN, TX 78701 | BLUE CROSS BLUE SHIELD OF TEXAS | $73K | $0 | $73K | 4.96% |
| FROST INSURANCE AGENCY INC3 Filed as: FROST INSURANCE AGENCY INC - AUSTIN | 401 CONGRESS AVENUE, SUITE 1400 AUSTIN, TX 78701 | HUMANA INSURANCE COMPANY | $12K | $5K | $17K | 15.20% |
| FROST INSURANCE AGENCY INC3 Filed as: FROST INSURANCE AGENCY-SAN ANTONIO | 3611 PAESANOS PARKWAY SAN ANTONIO, TX 78231 | HUMANA INSURANCE COMPANY | $164 | $0 | $164 | 0.14% |
| FROST INSURANCE AGENCY INC3 Filed as: FROST INSURANCE AGENCY | 401 CONGRESS AVENUE, SUITE 1400 AUSTIN, TX 78701 | SUN LIFE ASSURANCE COMPANY OF CANADA | $6K | $0 | $6K | 13.71% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP INSURANCE SERVICES, INC. | 1250 SOUTH CAPITAL OF TEXAS HIGHWAY SUITE 2-125 AUSTIN, TX 78746 | SUN LIFE ASSURANCE COMPANY OF CANADA | $0 | $199 | $199 | 0.45% |
| FROST INSURANCE AGENCY INC3 Filed as: FROST INSURANCE AGENCY | PO BOX 225749 DALLAS, TX 75222 | DEARBORN NATIONAL LIFE INSURANCE COMPANY | $4K | $2K | $6K | 19.18% |
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 | 324 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 325 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF TEXAS | 324 | $1.5M |
| Dental | HUMANA INSURANCE COMPANY | 204 | $114K |
| Vision | HUMANA INSURANCE COMPANY | 204 | $114K |
| Life insurance(2 contracts, 2 carriers) | SUN LIFE ASSURANCE COMPANY OF CANADA | 302 | $76K |
| Short-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 290 | $44K |
| Long-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 290 | $44K |
| Prescription drug | BLUE CROSS BLUE SHIELD OF TEXAS | 324 | $1.5M |
| Other(2 contracts, 2 carriers) | SUN LIFE ASSURANCE COMPANY OF CANADA | 302 | $76K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 324 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.