| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| FROST INSURANCE AGENCY INC3 | 401 CONGRESS AVENUE, SUITE 1400 AUSTIN, TX 78701 | HUMANA HEALTH PLAN OF TEXAS, INC. | $41K | $2K | $42K | 5.37% |
| FROST INSURANCE AGENCY INC3 | PO BOX 1315 HOUSTON, TX 77251 | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $12K | $0 | $12K | 11.98% |
| PHILLIP PORTER GOODRUM3 | 131 HILLSIDE AVENUE CHARLOTTE, NC 28209 | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $3K | $0 | $3K | 2.81% |
| OPES ONE ADVISORS LLC3 Filed as: OPES ONE ADVISORS | UNKNOWN AUSTIN, TX 78702 | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $407 | $0 | $407 | 0.41% |
| FROST INSURANCE AGENCY INC4 | 401 CONGRESS AVENUE, SUITE 1400 AUSTIN, TX 78701 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | $235 | $0 | $235 | 12.79% |
| DARIS FRENCHA4 | 10613 GRAYHAWK LANE FORT WORTH, TX 76244 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | $215 | $0 | $215 | 11.70% |
| SHERRY BRANDA4 | 29623 SKYMAC RANCH ROAD HEMPSTEAD, TX 77445 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | $123 | $0 | $123 | 6.69% |
| KACEY LAVENDER4 | 307 SPRING CREEK MOODY, TX 76557 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | $54 | $0 | $54 | 2.94% |
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 | 145 | 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) | 145 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HUMANA HEALTH PLAN OF TEXAS, INC. | 116 | $790K |
| Dental | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 145 | $99K |
| Vision | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 145 | $99K |
| Life insurance | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 145 | $99K |
| Short-term disability | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 145 | $99K |
| Long-term disability | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 145 | $99K |
| Prescription drug | HUMANA HEALTH PLAN OF TEXAS, INC. | 116 | $790K |
| Other(2 contracts, 2 carriers) | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 145 | $101K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 145 | — |
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.