| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| FROST INSURANCE AGENCY INC3 Filed as: FROST INSURANCE AGENCY, INC. | — | BLUECROSS BLUESHIELD OF TEXAS | $46K | $774 | $47K | 5.14% |
| FROST INSURANCE AGENCY INC3 Filed as: FROST INSURANCE AGENCY | P.O. BOX 225749 DALLAS, TX 75222 | DEARBORN LIFE INSURANCE COMPANY | $6K | — | $6K | 11.61% |
| JENNIFER R THOM3 | 405 J 58TH AVE YAKIMA, WA 98908 | AFLAC | $1K | — | $1K | 8.01% |
| JADE CHAVEZ3 Filed as: JADE E CHAVEZ | 110 N INTERSTATE 35 STE 315 PMB 125 ROUND ROCK, TX 78681 | AFLAC | $652 | — | $652 | 4.07% |
| SHELLY WIEGAND3 | 2607 ARMATRADING DR CEDAR PARK, TX 78613 | AFLAC | $284 | — | $284 | 1.77% |
| ROBERT K WHITT3 | 21013 NIMITZ AVE LAGO VISTA, TX 78645 | AFLAC | $232 | — | $232 | 1.45% |
| JAIME I VILLASANA3 | 101 SHELF ROCK RD GEORGETOWN, TX 78628 | AFLAC | $198 | — | $198 | 1.24% |
| JEROME JEFFREY PESEK3 | 12566 MESA VERDE DR AUSTIN, TX 78737 | AFLAC | $158 | — | $158 | 0.99% |
| ADRIANE N NEWMAN3 | 1206 VERDE TRAILS DR HOUSTON, TX 77073 | AFLAC | $114 | — | $114 | 0.71% |
| TRACY LYNN COLL3 | 32127 RIVER PARK DR MAGNOLIA, TX 77355 | AFLAC | $103 | — | $103 | 0.64% |
| STEPHANIE DENISE GARLAND3 | 110 N INTERSTATE 35 STE 315 ROUND ROCK, TX 78681 | AFLAC | $56 | — | $56 | 0.35% |
| ERIC NOTHNAGEL3 Filed as: ERIC J NOTHNAGEL | 2900 BROWNTOP CT LEANDER, TX 78641 | AFLAC | $55 | — | $55 | 0.34% |
| ROBERT D SEIBERT3 | 86 COUNTY ROAD 303 SHINER, TX 77984 | AFLAC | $23 | — | $23 | 0.14% |
| JAY MICHAEL ANDERSON3 | 25 SURREY CIR IOWA PARK, TX 76367 | AFLAC | $15 | — | $15 | 0.09% |
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT INSURANCE SERVICES INC | 3600 N CAPITAL OF TEXAS HWY STE B100 AUSTIN, TX 78746 | AFLAC | $9 | — | $9 | 0.06% |
| LEONARD STEVENSON3 | 2009 AUTUMN RUN LN ROUND ROCK, TX 78665 | AFLAC | $5 | — | $5 | 0.03% |
| JENNIFER LOWE3 | 502 MOONLIGHT CIR NEW BRAUNFELS, TX 78132 | AFLAC | $4 | — | $4 | 0.02% |
| GREGORY J WEEKS3 | 1259 LOOP 337 2ND FL NEW BRAUNFELS, TX 78130 | AFLAC | $3 | — | $3 | 0.02% |
| HEATHER F SEIBERT3 | 86 COUNTY ROAD 303 SHINER, TX 77984 | AFLAC | $3 | — | $3 | 0.02% |
| THE JAMES B OSWALD COMPANY3 Filed as: JAMES ROBERT BLAKEY | 221 CALUMET PL SAN ANTONIO, TX 78209 | AFLAC | $3 | — | $3 | 0.02% |
| BARBARA BAROS3 | 5301 GOSHEN CT CORPUS CHRISTI, TX 78413 | AFLAC | $1 | — | $1 | 0.01% |
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 | 106 | 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) | 106 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUECROSS BLUESHIELD OF TEXAS | 128 | $905K |
| Dental | BLUECROSS BLUESHIELD OF TEXAS | 128 | $905K |
| Vision | DEARBORN LIFE INSURANCE COMPANY | 112 | $53K |
| Life insurance | DEARBORN LIFE INSURANCE COMPANY | 112 | $53K |
| Short-term disability | AFLAC | 13 | $16K |
| Long-term disability | DEARBORN LIFE INSURANCE COMPANY | 112 | $53K |
| Other(2 contracts, 2 carriers) | DEARBORN LIFE INSURANCE COMPANY | 112 | $69K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 128 | — |
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.