| 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 | METROPOLITAN LIFE INSURANCE COMPANY | $170K | $24 | $170K | 11.47% |
| PLANSOURCE BNFTS. ADMNSTRTN., INC.3 | 122 WEST PINE STREET, SUITE 203 ORLANDO, FL 32801 | METROPOLITAN LIFE INSURANCE COMPANY | $309 | $39K | $39K | 2.63% |
| MARIA J. ACCURSO3 | 3800 COUNTY ROAD 258 LIBERTY HILL, TX 78642 | AFLAC | $6K | $598 | $6K | 6.30% |
| JAIME I VILLASANA3 Filed as: JAIME I. VILLASANA | 101 SHELF ROCK ROAD GEORGETOWN, TX 78628 | AFLAC | $6K | $264 | $6K | 6.12% |
| JOSEPH J. ACCURSO & OTHERS3 | 3800 COUNTY ROAD 258 LIBERTY HILL, TX 78642 | AFLAC | $5K | $333 | $6K | 5.52% |
| STEPHANIE S. HOBBS3 | 2500 DIOR DRIVE CEDAR PARK, TX 78613 | AFLAC | $1K | $96 | $1K | 1.29% |
| BRENDA L. LUNA3 | 21303 DERBY DAY AVENUE PFLUGERVILLE, TX 78660 | AFLAC | $736 | $2 | $738 | 0.72% |
| CARTER MAY3 Filed as: CARTER A. MAY | PO BOX 341015 AUSTIN, TX 78734 | AFLAC | $493 | $0 | $493 | 0.48% |
| LEONARD STEVENSON3 | 2009 AUTUMN RUN LANE ROUND ROCK, TX 78665 | AFLAC | $448 | $14 | $462 | 0.45% |
| FROST INSURANCE AGENCY INC3 Filed as: FROST INSURANCE AGENCY, INC. | 401 CONGRESS AVENUE, 14TH FLOOR AUSTIN, TX 78701 | METLIFE LEGAL PLANS, INC. | $2K | $0 | $2K | 9.99% |
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 | 649 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 649 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 1,525 | $1.5M |
| Vision | METROPOLITAN LIFE INSURANCE COMPANY | 1,525 | $1.5M |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 1,525 | $1.5M |
| Short-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 1,525 | $1.5M |
| Long-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 1,525 | $1.5M |
| Other(3 contracts, 3 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 1,525 | $1.6M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,525 | — |
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.