| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| FROST INSURANCE AGENCY INC3 Filed as: FROST INSURANCE AGENCY | PO BOX 224749 DALLAS, TX 75222 | DEARBORN NATIONAL LIFE INSURANCE COMPANY | $26K | $0 | $26K | 15.28% |
| SA GENERAL AGENCY INC3 | 9385 MILLER LANE GARDEN RIDGE, TX 78266 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $6K | $10K | $15K | 9.69% |
| FROST INSURANCE AGENCY INC3 | PO BOX 225749 DALLAS, TX 75222 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $14K | $0 | $14K | 8.65% |
| MJ INSURANCE3 Filed as: SHELLY L. LISKA AND VARIOUS AGENTS | 215 LIBERTY LANE PLEASANTON, TX 78064 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $5K | $2K | $7K | 4.33% |
| STAFFORD JOHNSON3 | 1550 THOUSAND OAKS, SUITE 817 SAN ANTONIO, TX 78232 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2K | $0 | $2K | 1.28% |
| WYNONA SNYDER3 | 9385 MILLER LANE GARDEN RIDGE, TX 78266 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2K | $0 | $2K | 1.07% |
| DOMINGO MUNOZ3 | PO BOX 775 CHARLOTTE, TX 78011 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1K | $61 | $1K | 0.79% |
| MICHAEL SNYDER3 | 19518 KILBOURN ROAD HARLINGEN, TX 78550 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $470 | $394 | $864 | 0.55% |
| FROST INSURANCE AGENCY INC3 Filed as: FROST INSURANCE AGENCY | 3611 PAESANOS PARKWAY, SUITE 100 SAN ANTONIO, TX 78231 | METROPOLITAN LIFE INSURANCE COMPANY | $13K | $3K | $15K | 11.18% |
| FROST INSURANCE AGENCY INC3 Filed as: FROST INSURANCE AGENCY | 3611 PAESANOS PARKWAY, SUITE 100 SAN ANTONIO, TX 78231 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $3K | $0 | $3K | 10.00% |
| FROST INSURANCE AGENCY INC3 Filed as: FROST INSURANCE AGENCY | 3611 PAESANOS PARKWAY, SUITE 100 SAN ANTONIO, TX 78231 | TEXAS LEGAL | $364 | $0 | $364 | 3.89% |
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 | 434 | 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) | 435 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 665 | $138K |
| Vision | FIDELITY SECURITY LIFE INSURANCE COMPANY | 472 | $28K |
| Life insurance | DEARBORN NATIONAL LIFE INSURANCE COMPANY | 416 | $168K |
| Short-term disability | DEARBORN NATIONAL LIFE INSURANCE COMPANY | 416 | $168K |
| Long-term disability | DEARBORN NATIONAL LIFE INSURANCE COMPANY | 416 | $168K |
| Other(3 contracts, 3 carriers) | DEARBORN NATIONAL LIFE INSURANCE COMPANY | 416 | $334K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 665 | — |
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.