| 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 | $57K | $3K | $60K | 5.30% |
| FROST INSURANCE AGENCY INC3 Filed as: FROST INSURANCE AGENCY INC. | PO BOX 225749 DALLAS, TX 75222 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $15K | $2K | $17K | 10.83% |
| SA GENERAL AGENCY INC3 Filed as: SA GENERAL AGENCY | 9385 MILLER LANE GARDEN RIDGE, TX 78266 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $8K | $6K | $14K | 8.85% |
| HORIZON BENEFITS LLC3 Filed as: HORIZON BENEFITS | 9385 MILLER LANE GARDEN RIDGE, TX 78266 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2K | $1K | $3K | 2.19% |
| LISA D GARCIA3 | 602 CENIZA STREET DEL RIO, TX 78840 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2K | — | $2K | 1.33% |
| BILLY MARK ROBERSON3 | 17415 SHADY CANYON SAN ANTONIO, TX 78248 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1K | $251 | $1K | 0.94% |
| OMAR MENDOZA3 | 26326 ROCKWALL PKWY NEW BRAUNFELS, TX 78132 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1K | $258 | $1K | 0.87% |
| MANUEL FUENTES3 | 23910 W INTERSTATE 10 SAN ANTONIO, TX 78257 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $825 | $258 | $1K | 0.69% |
| DANIEL MARTIN ROMAN3 | 9385 MILLER LANE GARDEN RIDGE, TX 78266 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1K | — | $1K | 0.68% |
| MICHAEL SNYDER3 Filed as: MICHAEL J SNYDER | 19518 KILBOURN RD HARLINGEN, TX 78550 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $619 | $220 | $839 | 0.53% |
| ENJOLI JANELL HAMILTON3 | 1613 CLOUDY BROOK SCHERTZ, TX 78154 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $727 | — | $727 | 0.46% |
| DOMINGO MUNOZ3 | PO BOX 775 CHARLOTTE, TX 78011 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $653 | $30 | $683 | 0.43% |
| TROY J PALMER3 | 15534 CLOVER RDG SAN ANTONIO, TX 78248 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $407 | $37 | $444 | 0.28% |
| CONNIE R FOX3 | PO BOX 87 PAIGE, TX 78659 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $253 | $180 | $433 | 0.28% |
| LISA M MITCHELL3 | 30251 NORMAN ROAD RIO HONDO, TX 78583 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $265 | — | $265 | 0.17% |
| LEONIDES H VILLA3 | 522 E VILLARET BLVD SAN ANTONIO, TX 78221 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $193 | $12 | $205 | 0.13% |
| BRIAN WHITE3 Filed as: BRIAN R MADTES | 1308 JAMES COOK WINDCREST, TX 78239 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $152 | $45 | $197 | 0.13% |
| KELLY MELISSA KRISCH3 | 725 RIVER BLUFF DRIVE LYTLE, TX 78052 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $23 | $8 | $31 | 0.02% |
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 | 283 | 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) | 283 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUECROSS BLUESHIELD OF TEXAS | 126 | $1.1M |
| Dental | BLUECROSS BLUESHIELD OF TEXAS | 126 | $1.1M |
| Life insurance | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 192 | $157K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 192 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.