| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| FROST INSURANCE AGENCY INC3 Filed as: FROST INSURANCE AGENCY, INC | — | HEALTH CARE SERVICE CORPORATION | $44K | $0 | $44K | 2.05% |
| HIGGINBOTHAM INS AGENCY INC3 | PO BOX 908 FORT WORTH, TX 761010908 | HEALTH CARE SERVICE CORPORATION | $23K | $0 | $23K | 1.05% |
| FROST INSURANCE AGENCY INC3 Filed as: FROST INSURANCE AGENCY, INC | PO BOX 16509 FORT WORTH, TX 761620509 | METROPOLITAN LIFE INSURANCE COMPANY | $11K | $45 | $11K | 7.35% |
| FROST INSURANCE AGENCY INC3 Filed as: FROST INSURANCE AGENCY, INC | PO BOX 2411 SAN ANTONIO, TX 782982411 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $4K | $4K | 2.90% |
| HIGGINBOTHAM INS AGENCY INC3 | PO BOX 908 FORT WORTH, TX 761010908 | METROPOLITAN LIFE INSURANCE COMPANY | $4K | $24 | $4K | 2.60% |
| FROST INSURANCE AGENCY INC3 Filed as: FROST INSURANCE AGENCY, INC | PO BOX 2411 SAN ANTONIO, TX 78298 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $9K | $413 | $10K | 10.35% |
| HIGGINBOTHAM INS AGENCY INC3 | PO BOX 908 FORT WORTH, TX 761010908 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $5K | $647 | $5K | 5.77% |
| FROST INSURANCE AGENCY INC3 Filed as: FROST INSURANCE AGENCY, INC | PO BOX 2411 SAN ANTONIO, TX 78298 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $2K | $380 | $2K | 11.12% |
| HIGGINBOTHAM INS AGENCY INC3 | PO BOX 908 FORT WORTH, TX 761010908 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $1K | $330 | $2K | 7.10% |
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 | 164 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 3 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 167 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HEALTH CARE SERVICE CORPORATION | 392 | $2.2M |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 586 | $154K |
| Vision | METROPOLITAN LIFE INSURANCE COMPANY | 586 | $154K |
| Life insurance(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 169 | $117K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 169 | $95K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 169 | $95K |
| Other(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 169 | $117K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 586 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.