| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| FROST INSURANCE AGENCY INC3 Filed as: FROST INSURANCE AGENCY, INC. | 3611 PAESANOS PARKWAY STE. 100 SAN ANTONIO, TX 78231 | BLUECROSS BLUESHIELD OF TEXAS | $53K | $13K | $66K | 6.30% |
| FROST INSURANCE AGENCY INC3 Filed as: FROST INSURANCE AGENCY INC. | PO BOX 33528 FORT WORTH, TX 76162 | COLONIAL LIFE & ACCIDENT INSURANCE CO. | $21K | $4K | $24K | 16.91% |
| SA GENERAL AGENCY INC3 Filed as: SA GENERAL AGENCY | 9385 MILLER LANE GARDEN RIDGE, TX 78266 | COLONIAL LIFE & ACCIDENT INSURANCE CO. | $10K | $7K | $17K | 12.19% |
| HORIZON BENEFITS LLC3 Filed as: HORIZON BENEFITS | 9385 MILLER LANE GARDEN RIDGE, TX 78266 | COLONIAL LIFE & ACCIDENT INSURANCE CO. | $3K | $3K | $6K | 3.97% |
| LISA D GARCIA3 | 602 CENIZA STREET DEL RIO, TX 78840 | COLONIAL LIFE & ACCIDENT INSURANCE CO. | $3K | $152 | $3K | 2.11% |
| BILLY MARK ROBERSON3 | 17415 SHADY CANYON SAN ANTONIO, TX 78248 | COLONIAL LIFE & ACCIDENT INSURANCE CO. | $2K | $659 | $2K | 1.58% |
| OMAR MENDOZA3 | 26326 ROCKWALL PKWY NEW BRAUNFELS, TX 78132 | COLONIAL LIFE & ACCIDENT INSURANCE CO. | $2K | $694 | $2K | 1.56% |
| TROY J PALMER3 | 15534 CLOVER RDG SAN ANTONIO, TX 78248 | COLONIAL LIFE & ACCIDENT INSURANCE CO. | $1K | $543 | $2K | 1.42% |
| DANIEL MARTIN ROMAN3 | 9385 MILLER LANE RIO HONDO, TX 78266 | COLONIAL LIFE & ACCIDENT INSURANCE CO. | $1K | $149 | $1K | 0.98% |
| MICHAEL SNYDER3 Filed as: MICHAEL J SNYDER | 19518 KILBOURN RD HARLINGEN, TX 78550 | COLONIAL LIFE & ACCIDENT INSURANCE CO. | $1K | $111 | $1K | 0.78% |
| TRINIDAD ROSALES3 Filed as: TRINIDAD ROSALES JR | 477 BROOKHOLLOW NEW BRAUNFELS, TX 78132 | COLONIAL LIFE & ACCIDENT INSURANCE CO. | $1K | — | $1K | 0.75% |
| LEONIDES H VILLA3 | 522 E VILLARET BLVD SAN ANTONIO, TX 78221 | COLONIAL LIFE & ACCIDENT INSURANCE CO. | $906 | $67 | $973 | 0.68% |
| LISA M MITCHELL3 | 30251 NORMAN ROAD RIO HONDO, TX 78583 | COLONIAL LIFE & ACCIDENT INSURANCE CO. | $784 | $45 | $829 | 0.58% |
| BRIAN WHITE3 Filed as: BRIAN R MADTES | 1308 JAMES COOK WINDCREST, TX 78239 | COLONIAL LIFE & ACCIDENT INSURANCE CO. | $555 | $245 | $800 | 0.56% |
| KELLY MELISSA KRISCH3 | 725 RIVER BLUFF DRIVE LYTLE, TX 78052 | COLONIAL LIFE & ACCIDENT INSURANCE CO. | $173 | $36 | $209 | 0.15% |
| BRANDON PENKO3 | 6503 BRITTANY PARK LANE HOUSTON, TX 77066 | COLONIAL LIFE & ACCIDENT INSURANCE CO. | $80 | — | $80 | 0.06% |
| JACOB ANDREW GARCIA3 | 9385 MILLER LANE GARDEN RIDGE, TX 78266 | COLONIAL LIFE & ACCIDENT INSURANCE CO. | $60 | — | $60 | 0.04% |
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 | 266 | 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) | 266 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUECROSS BLUESHIELD OF TEXAS | 266 | $1.0M |
| Life insurance | COLONIAL LIFE & ACCIDENT INSURANCE CO. | 188 | $143K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 266 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.