| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| FROST INSURANCE AGENCY INC3 | 401 CONGRESS AVENUE, 14TH FLOOR AUSTIN, TX 78701 | BLUE CROSS BLUE SHIELD OF TEXAS | $49K | $0 | $49K | 5.06% |
| FROST INSURANCE AGENCY INC3 | PO BOX 1315 HOUSTON, TX 77251 | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $16K | $3K | $19K | 13.67% |
| PHILLIP GOODRUM3 | 131 HILLSIDE AVENUE CHARLOTTE, NC 28209 | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $711 | $0 | $711 | 0.50% |
| FROST INSURANCE AGENCY INC4 | 401 CONGRESS AVENUE, SUITE 1400 AUSTIN, TX 78701 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | $628 | $0 | $628 | 15.20% |
| FRENCHA LEGACY4 | 3435 CALERA TRAIL, UNIT 6619 FORT WORTH, TX 76177 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | $499 | $0 | $499 | 12.08% |
| KACY LAVENDER4 | 307 SPRING CREEK MOODY, TX 76557 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | $155 | $0 | $155 | 3.75% |
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 | 182 | 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) | 182 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF TEXAS | 179 | $974K |
| Dental | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 179 | $142K |
| Vision | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 179 | $142K |
| Life insurance | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 179 | $142K |
| Short-term disability | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 179 | $142K |
| Long-term disability | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 179 | $142K |
| Prescription drug | BLUE CROSS BLUE SHIELD OF TEXAS | 179 | $974K |
| Other(2 contracts, 2 carriers) | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 179 | $147K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 179 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
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.