| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| FROST INSURANCE AGENCY INC3 Filed as: FROST INSURANCE | 401 CONGRESS AVENUE AUSTIN, TX 78701 | CURATIVE INSURANCE COMPANY | $71K | — | $71K | 6.00% |
| FROST INSURANCE AGENCY INC3 Filed as: FROST INSURANCE AGENCY, INC. | PO BOX 1315 HOUSTON, TX 77251 | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $27K | — | $27K | 12.49% |
| MARIA J. ACCURSO3 | 3800 COUNTY ROAD 258 LIBERTY HILL, TX 78642 | AFLAC | $2K | — | $2K | 7.30% |
| JAIME I VILLASANA3 Filed as: JAIME I. VILLASANA | 101 SHELF ROCK ROAD GEORGETOWN, TX 78628 | AFLAC | $1K | — | $1K | 4.07% |
| SHELLY WIEGAND & OTHERS3 | 1933 THISTLE PARK DRIVE SUITE 06214-2 FORT WORTH, TX 76110 | AFLAC | $670 | — | $670 | 2.48% |
| CARTER MAY3 Filed as: CARTER A. MAY | PO BOX 341015 AUSTIN, TX 78734 | AFLAC | $280 | — | $280 | 1.03% |
| ERIC NOTHNAGEL3 Filed as: ERIC J. NOTHNAGEL | 2900 BROWNTOP COURT LEANDER, TX 78641 | AFLAC | $225 | — | $225 | 0.83% |
| PEDRO LEONE RODRIGUES3 | 8084 GATO LANE ROUND ROCK, TX 78665 | AFLAC | $182 | — | $182 | 0.67% |
| YESENIA I. GARCIA3 | 17000 ENNIS TRAIL AUSTIN, TX 78717 | AFLAC | $140 | — | $140 | 0.52% |
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 | 210 | 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) | 210 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CURATIVE INSURANCE COMPANY | 167 | $1.2M |
| Dental | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 212 | $216K |
| Vision | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 212 | $216K |
| Life insurance | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 212 | $216K |
| Short-term disability | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 212 | $216K |
| Long-term disability | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 212 | $216K |
| Prescription drug | CURATIVE INSURANCE COMPANY | 167 | $1.2M |
| Other(2 contracts, 2 carriers) | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 212 | $243K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 212 | — |
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.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.