| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| FROST INSURANCE AGENCY INC3 | 3611 PAESANOS PARKWAY SUITE 100 SAN ANTONIO, TX 78231 | PRINCIPAL LIFE INSURANCE COMPANY | $11K | — | $11K | 12.11% |
| CANALICHIO INSURANCE GROUP, LLC3 Filed as: CANALICHIO INSURANCE GROUP LLC | 18315 BRACKEN DRIVE SUITE 1 GARDEN RIDGE, TX 78266 | AFLAC | $3K | — | $3K | 24.65% |
| FROST INSURANCE AGENCY INC3 Filed as: FROST INSURANCE AGENCY INCORPORATED | 401 CONGRESS AVENUE SUITE 1400 AUSTIN, TX 78701 | AFLAC | $2K | — | $2K | 18.97% |
| CANALICHIO INSURANCE GROUP, LLC3 Filed as: CANALICHIO INSURANCE GROUP LLC | 18315 BRACKEN DRIVE SUITE 1 GARDEN RIDGE, TX 78266 | AFLAC | $605 | — | $605 | 5.51% |
| FROST INSURANCE AGENCY INC3 Filed as: FROST INSURANCE AGENCY, INC | 401 CONGRESS AVENUE SUITE 1400 AUSTIN, TX 78701 | AFLAC | $386 | — | $386 | 3.51% |
| JOHN D BODKER3 | 9014 CALLAGHAN ROAD SAN ANTONIO, TX 78230 | AFLAC | $210 | — | $210 | 1.91% |
| JOHN D BODKER3 | 9014 CALLAGHAN ROAD SAN ANTONIO, TX 78230 | AFLAC | $109 | — | $109 | 0.99% |
| KEVIN A CANALICHIO3 | 18315 BRACKEN DRIVE SUITE 1 GARDEN RIDGE, TX 78266 | AFLAC | $13 | — | $13 | 0.12% |
| KEVIN A CANALICHIO3 | 18315 BRACKEN DRIVE SUITE 1 GARDEN RIDGE, TX 78266 | AFLAC | $4 | — | $4 | 0.04% |
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 | 126 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 127 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUECROSS BLUESHIELD OF TEXAS | 167 | $43K |
| Dental | PRINCIPAL LIFE INSURANCE COMPANY | 138 | $89K |
| Vision | PRINCIPAL LIFE INSURANCE COMPANY | 138 | $89K |
| Life insurance | PRINCIPAL LIFE INSURANCE COMPANY | 138 | $89K |
| Short-term disability | PRINCIPAL LIFE INSURANCE COMPANY | 138 | $89K |
| Other(2 contracts, 2 carriers) | PRINCIPAL LIFE INSURANCE COMPANY | 138 | $100K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 167 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.