| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| FROST INSURANCE AGENCY INC3 Filed as: FROST INSURANCE AGENCY, INC | P. O. BOX 1315 HOUSTON, TX 77251 | AETNA | $10K | $0 | $10K | 0.68% |
| SIXTO ZAVALA3 | 4814 CRANBROOK E DRIVE COLLEYVILLE, TX 76034 | CAPITAL HEALTH PLAN | $4K | $0 | $4K | 1.95% |
| FROST INSURANCE AGENCY INC3 Filed as: FROST INS AGENCY INC. | P. O. BOX 1315 HOUSTON, TX 77251 | GUARDIAN | $12K | $0 | $12K | 6.62% |
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT INS SERVICES INC | 3600 N. CAPITAL OF TEXAS HWY BUILDING B SUITE 100 AUSTIN, TX 78746 | GUARDIAN | $1K | $0 | $1K | 0.58% |
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 | 128 | 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) | 129 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | AETNA | 169 | $1.6M |
| Dental | GUARDIAN | 134 | $182K |
| Vision | GUARDIAN | 134 | $182K |
| Life insurance | GUARDIAN | 134 | $182K |
| Long-term disability | GUARDIAN | 134 | $182K |
| Other | GUARDIAN | 134 | $182K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 169 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.