| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| FROST INSURANCE AGENCY INC3 Filed as: FROST INSURANCE AGENCY, INC. | — | BLUECROSS BLUESHIELD OF TEXAS | $45K | $2K | $48K | 4.64% |
| CENTERSTONE INSURANCE AND FINANCIAL3 | — | BLUECROSS BLUESHIELD OF TEXAS | $10K | $211 | $10K | 0.99% |
| FROST INSURANCE AGENCY INC3 | PO BOX 225749 DALLAS, TX 75222 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2K | — | $2K | 4.12% |
| KELLY MELISSA RUSHING3 | 725 RIVER BLUFF DRIVE LYTLE, TX 78052 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1K | $107 | $1K | 2.82% |
| TIMOTHY J REED3 Filed as: TIMOTHY COBB | 110856 NORTHWEST COUNTY ROAD 1370 BARRY, TX 75102 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $253 | $266 | $519 | 1.00% |
| ARGO EXPRESS LLC3 | 25920 MARIGOLD OAKS BOERNE, TX 78006 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $385 | $107 | $492 | 0.95% |
| TROY J PALMER3 | 15534 CLOVER RIDGE SAN ANTONIO, TX 78248 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $409 | $11 | $420 | 0.81% |
| MANUEL FUENTES3 | 63 MARIPOSA PARKWAY WEST BOERNE, TX 78006 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $176 | $9 | $185 | 0.36% |
| PAUL S TERRELL3 | 610 WHIPPOORWILL DRIVE CANYON LAKE, TX 78133 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $115 | — | $115 | 0.22% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | 2850 GOLF ROAD SUITE 1000 ROLLING MEADOWS, IL 60008 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $82 | — | $82 | 0.16% |
| THOMAS SNYDER3 | 10539 DEDEKE DRIVE NEW BRAUNFELS, TX 78132 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $68 | — | $68 | 0.13% |
| JOHN DAVID BODKER3 | 11415 SPRIGHTLY LANE SUITE 118 SAN ANTONIO, TX 78254 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $22 | — | $22 | 0.04% |
| BRIAN WHITE3 Filed as: BRIAN R MADTES | 1308 JAMES COOK WINDCREST, TX 78239 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $17 | — | $17 | 0.03% |
| BILLY MARK ROBERSON3 | 19210 BOCA DEL MAR SAN ANTONIO, TX 78258 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $14 | — | $14 | 0.03% |
| OMAR MENDOZA3 | 26326 ROCKWALL PARKWAY NEW BRAUNFELS, TX 78132 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $14 | — | $14 | 0.03% |
| HORIZON BENEFITS LLC3 | 1150 NORTH LOOP 1604 WEST SAN ANTONIO, TX 78248 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2 | — | $2 | 0.00% |
| FROST INSURANCE AGENCY INC3 | PO BOX 2411 SAN ANTONIO, TX 78298 | PRINCIPAL LIFE INSURANCE COMPANY | $3K | — | $3K | 16.47% |
| FROST INSURANCE AGENCY INC3 Filed as: FROST INSURANCE AGENCY | PO BOX 225749 DALLAS, TX 75222 | DEARBORN LIFE INSURANCE COMPANY | $1K | $498 | $2K | 14.04% |
| FROST INSURANCE AGENCY INC3 Filed as: FROST INSURANCE AGENCY | 111 WEST HOUSTON STREET SAN ANTONIO, TX 78205 | RENAISSANCE LIFE & HEALTH INSURANCE COMPANY OF AMERICA | $3K | — | $3K | 19.83% |
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 | 103 | 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) | 104 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUECROSS BLUESHIELD OF TEXAS | 171 | $1.0M |
| Dental | BLUECROSS BLUESHIELD OF TEXAS | 171 | $1.0M |
| Vision | DEARBORN LIFE INSURANCE COMPANY | 66 | $13K |
| Life insurance(2 contracts, 2 carriers) | PRINCIPAL LIFE INSURANCE COMPANY | 115 | $30K |
| Long-term disability | PRINCIPAL LIFE INSURANCE COMPANY | 4 | $17K |
| Other(3 contracts, 3 carriers) | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 115 | $82K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 171 | — |
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.