| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT INS. SERVICES, INC. | 3600 NORTH CAPITAL OF TEXAS HWY BLDG. B, SUITE 200 AUSTIN, TX 78746 | BLUE CROSS BLUE SHIELD OF TEXAS | $169K | $0 | $169K | 4.90% |
| FROST INSURANCE AGENCY INC3 Filed as: FROST INSURANCE AGENCY, INC. | PO BOX 16509 FORT WORTH, TX 761620509 | BLUE CROSS BLUE SHIELD OF TEXAS | $6K | $2K | $8K | 0.23% |
| FROST INSURANCE AGENCY INC3 Filed as: FROST INS AGENCY INC. | PO BOX 16509 FORT WORTH, TX 761620509 | METROPOLITAN LIFE INSURANCE COMPANY | $57K | $33 | $57K | 8.72% |
| ALLIANT INSURANCE SERVICES, INC.3 | 3600 NORTH CAPITAL OF TEXAS HWY BLDG. B, SUITE 200 AUSTIN, TX 78746 | BLUE CROSS BLUE SHIELD OF TEXAS | $1K | $0 | $1K | 3.89% |
| CENTERSTONE INSURANCE AND FINANCIAL3 Filed as: CENTERSTONE INS. AND FIN. SERVICES | 12404 PARK CENTRAL DRIVE SUITE 400 DALLAS, TX 752511800 | BLUE CROSS BLUE SHIELD OF TEXAS | $22 | $0 | $22 | 0.07% |
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 | 496 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 13 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 509 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts) | BLUE CROSS BLUE SHIELD OF TEXAS | 890 | $3.5M |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 875 | $654K |
| Vision | METROPOLITAN LIFE INSURANCE COMPANY | 875 | $654K |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 875 | $654K |
| Short-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 875 | $654K |
| Long-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 875 | $654K |
| Other | METROPOLITAN LIFE INSURANCE COMPANY | 875 | $654K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 890 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.