| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| FROST INSURANCE AGENCY INC3 Filed as: FROST INSURANCE AGENCY | PO BOX 225749 DALLAS, TX 75222 | DEARBORN NATIONAL LIFE INSURANCE COMPANY | $26K | $10K | $36K | 20.83% |
| FROST INSURANCE AGENCY INC3 Filed as: FROST INSURANCE AGENCY | 3611 PAESANOS PARKWAY, SUITE 100 SAN ANTONIO, TX 78231 | BLUECROSS BLUESHIELD OF TEXAS | $12K | — | $12K | 9.89% |
| FROST INSURANCE AGENCY INC3 Filed as: FROST INSURANCE AGENCY, INC. | PO BOX 225749 DALLAS, TX 75222 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $12K | $1K | $13K | 10.50% |
| SA GENERAL INSURANCE AGENCY3 | 9385 MILLER LANE GARDEN RIDGE, TX 78266 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $4K | $4K | $8K | 6.67% |
| MJ INSURANCE3 Filed as: GARY P. QUANDT AND VARIOUS AGENTS | 3206 YORKTOWN DRIVE SAN ANTONIO, TX 78230 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $5K | $305 | $5K | 4.27% |
| WYNONA SNYDER3 | 9385 MILLER LANE GARDEN RIDGE, TX 78266 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $1K | — | $1K | 1.24% |
| LISA D GARCIA3 Filed as: LISA D. GARCIA | 602 CENIZA STREET DEL RIO, TX 78840 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $1K | — | $1K | 1.12% |
| DOMINGO MUNOZ3 | PO BBOX 775 CHARLOTTE, TX 78011 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $1K | $28 | $1K | 0.93% |
| HORIZON BENEFITS LLC3 | 9385 MILLER LANE GARDEN RIDGE, TX 78266 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $629 | $388 | $1K | 0.85% |
| FROST INSURANCE AGENCY INC3 Filed as: FROST INSURANCE AGENCY | 3611 PAESANOS PARKWAY, SUITE 100 SAN ANTONIO, TX 78231 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $2K | — | $2K | 10.00% |
| FROST INSURANCE AGENCY INC3 Filed as: FROST INSURANCE | 611 PAESANO PARKWAY, SUITE 100 SAN ANTONIO, TX 78231 | TEXAS LEGAL | $517 | — | $517 | 6.46% |
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 | 467 | 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) | 467 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | BLUECROSS BLUESHIELD OF TEXAS | 490 | $126K |
| Vision | FIDELITY SECURITY LIFE INSURANCE COMPANY | 435 | $19K |
| Life insurance | DEARBORN NATIONAL LIFE INSURANCE COMPANY | 467 | $171K |
| Short-term disability | DEARBORN NATIONAL LIFE INSURANCE COMPANY | 467 | $171K |
| Long-term disability | DEARBORN NATIONAL LIFE INSURANCE COMPANY | 467 | $171K |
| Other(3 contracts, 3 carriers) | DEARBORN NATIONAL LIFE INSURANCE COMPANY | 467 | $300K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 490 | — |
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."
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.