| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| FROST INSURANCE AGENCY INC3 Filed as: FROST INSURANCE AGENCY, INC. | 401 CONGRESS AVENUE, SUITE 1400 AUSTIN, TX 78701 | BLUE CROSS BLUE SHIELD OF TEXAS | $61K | $2K | $63K | 6.58% |
| FROST INSURANCE AGENCY INC3 Filed as: FROST INSURANCE AGENCY, INC. | 401 CONGRESS AVENUE, SUITE 1400 AUSTIN, TX 78701 | HUMANA INSURANCE COMPANY | $6K | $2K | $7K | 6.43% |
| FINANCIAL HEALTH INC3 | PO BOX 43167 PHOENIX, AZ 850803167 | HUMANA INSURANCE COMPANY | — | $6 | $6 | 0.01% |
| FROST INSURANCE AGENCY INC3 Filed as: FROST INSURANCE AGENCY, INC. | 401 CONGRESS AVENUE, SUITE 1400 AUSTIN, TX 787013793 | KAISER FOUNDATION HEALTH PLAN INC | $2K | — | $2K | 4.68% |
| FROST INSURANCE AGENCY INC3 Filed as: FROST INSURANCE AGENCY, INC. | 401 CONGRESS AVENUE, SUITE 1400 AUSTIN, TX 78701 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $3K | — | $3K | 14.02% |
| FROST INSURANCE AGENCY INC3 | PO BOX 33528 FORT WORTH, TX 761620509 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $41 | $41 | 0.22% |
| FROST INSURANCE AGENCY INC3 Filed as: FROST INSURANCE AGENCY, INC. | 401 CONGRESS AVENUE, SUITE 1400 AUSTIN, TX 78701 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $1K | — | $1K | 14.99% |
| FROST INSURANCE AGENCY INC3 Filed as: FROST INSURANCE ANGENCY INC | PO BOX 33528 FORT WORTH, TX 761620509 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $16 | $16 | 0.24% |
| FROST INSURANCE AGENCY INC3 Filed as: FROST INSURANCE AGENCY, INC. | 401 CONGRESS AVENUE, SUITE 1400 AUSTIN, TX 78701 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $754 | — | $754 | 15.01% |
| FROST INSURANCE AGENCY INC3 | PO BOX 33528 FORT WORTH, TX 761620509 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $13 | $13 | 0.26% |
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 | 180 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 9 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 189 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | BLUE CROSS BLUE SHIELD OF TEXAS | 526 | $1.0M |
| Dental | HUMANA INSURANCE COMPANY | 218 | $116K |
| Vision | HUMANA INSURANCE COMPANY | 218 | $116K |
| Life insurance(2 contracts, 2 carriers) | HUMANA INSURANCE COMPANY | 218 | $121K |
| Short-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 42 | $7K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 225 | $19K |
| Prescription drug | BLUE CROSS BLUE SHIELD OF TEXAS | 526 | $955K |
| Other(2 contracts, 2 carriers) | HUMANA INSURANCE COMPANY | 218 | $121K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 526 | — |
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.