| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| FROST INSURANCE AGENCY INC3 | 401 CONGRESS AVENUE, SUITE 1400 AUSTIN, TX 78701 | AETNA LIFE INSURANCE COMPANY | $214K | $0 | $214K | 4.54% |
| FROST INSURANCE AGENCY INC3 | 401 CONGRESS AVENUE, SUITE 1400 AUSTIN, IL 78701 | METROPOLITAN LIFE INSURANCE COMPANY | $35K | $40 | $35K | 9.19% |
| GIS BENEFITS INC3 | 422 WAUPONSEE STREET MORRIS, IL 60450 | METROPOLITAN LIFE INSURANCE COMPANY | $18K | $7K | $25K | 6.49% |
| PATRICK F GALLA3 Filed as: PATRICK GALLA | 2918 CLIFFWYNDE TERRACE LOUISVILLE, KY 40241 | METROPOLITAN LIFE INSURANCE COMPANY | $5K | $0 | $5K | 1.31% |
| FROST INSURANCE AGENCY INC3 | PO BOX 2411 SAN ANTONIO, TX 78298 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $3K | $3K | 0.88% |
| FROST INSURANCE AGENCY INC3 Filed as: FROST INSURANCE AGENCY | 640 TAYLOR STREET, SUITE 1000 FORT WORTH, TX 76102 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $43 | $43 | 0.01% |
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 | 469 | 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) | 469 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | AETNA LIFE INSURANCE COMPANY | 1,030 | $4.7M |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 940 | $381K |
| Vision | METROPOLITAN LIFE INSURANCE COMPANY | 940 | $381K |
| Prescription drug | AETNA LIFE INSURANCE COMPANY | 1,030 | $4.7M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,030 | — |
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.
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.