| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| FROST INSURANCE AGENCY INC3 | 401 CONGRESS AVE FL 14 AUSTIN, TX 787014071 | UNITEDHEALTHCARE INSURANCE COMPANY | $8K | $71K | $78K | 5.51% |
| FROST INSURANCE AGENCY INC3 | PO BOX 225749 DALLAS, TX 75222 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $16K | — | $16K | 11.00% |
| SA GENERAL AGENCY INC3 | 9385 MILLER LANE GARDEN RIDGE, TX 78266 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $7K | $3K | $11K | 7.40% |
| WYNONA SNYDER3 | 9385 MILLER LANE GARDEN RIDGE, TX 78266 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2K | $622 | $2K | 1.62% |
| DOMINGO MUNOZ3 | PO BOX 775 CHARLOTTE, TX 78011 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2K | — | $2K | 1.20% |
| HORIZON BENEFITS LLC3 | 9385 MILLER LANE GARDEN RIDGE, TX 78266 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $805 | $324 | $1K | 0.78% |
| PAUL D GIESE3 | 5602 NEEDVILLE ST SAN ANTONIO, TX 78233 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1K | — | $1K | 0.74% |
| GARY P QUANDT3 | 3206 YORKTOWN DR SAN ANTONIO, TX 78230 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1K | $23 | $1K | 0.73% |
| DANIEL MARTIN ROMAN3 | 9385 MILLER LANE GARDEN RIDGE, TX 78266 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $959 | $89 | $1K | 0.73% |
| MICHAEL SNYDER3 | 19518 KILBOURN RD HARLINGEN, TX 78550 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $678 | $57 | $735 | 0.51% |
| LEONIDES H VILLA3 | 522 E VILLARET BLVD SAN ANTONIO, TX 78221 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $721 | — | $721 | 0.50% |
| OLGA LONGORIA3 | 5800 NORTH 28TH LANE MCALLEN, TX 78504 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $466 | $13 | $479 | 0.33% |
| REBECCA SOLIS3 | 1005 ESTHER DR MISSION, TX 78572 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $306 | — | $306 | 0.21% |
| ALMA VERONICA RIOS3 | 2202 EBANO ST HIDALGO, TX 78557 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $180 | $9 | $189 | 0.13% |
| BRIAN WHITE3 Filed as: BRIAN R MADTES | 1308 JAMES COOK WINDCREST, TX 78239 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $140 | $4 | $144 | 0.10% |
| N PAULINE FERRELL3 | 286 THOROUGHBRED SPRING BRANCH, TX 78070 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $139 | — | $139 | 0.10% |
| ENJOLI JANELL HAMILTON3 | 1613 CLOUDY BROOK SCHERTZ, TX 78154 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $124 | — | $124 | 0.09% |
| MARY JO CHAPPELL3 | 109 COUNTY ROAD 251 CAMERON, TX 76520 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $111 | — | $111 | 0.08% |
| JOHN DAVID BODKER3 | 4402 VANCE JACKSON RD SAN ANTONIO, TX 78230 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $69 | $25 | $94 | 0.07% |
| KELLY MELISSA RUSHING3 | 725 RIVER BLUFF DRIVE LYTLE, TX 78052 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $69 | $22 | $91 | 0.06% |
| BILLY MARK ROBERSON3 | 17415 SHADY CANYON SAN ANTONIO, TX 78248 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $45 | $16 | $61 | 0.04% |
| MICHAEL ANTHONY CHANDLER3 | 9839 COMMON LAW CONVERSE, TX 78109 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $42 | — | $42 | 0.03% |
| KIMBERLY BRIDGETTE VECCHIO-WALKER3 | 8807 EMERALD STONE SAN ANTONIO, TX 78254 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $24 | — | $24 | 0.02% |
| DALLAS C MORENO3 | 5522 CARTA VALLEY LN RICHMOND, TX 77469 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $3 | — | $3 | 0.00% |
| FROST INSURANCE AGENCY INC3 Filed as: FROST INSURANCE AGENCY | 111 W HOUSTON ST SAN ANTONIO, TX 78205 | UNITEDHEALTHCARE INSURANCE COMPANY | $8K | — | $8K | 11.47% |
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 | 509 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 1 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 510 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 374 | $1.4M |
| Dental | UNITEDHEALTHCARE INSURANCE COMPANY | 374 | $1.4M |
| Vision | UNITEDHEALTHCARE INSURANCE COMPANY | 374 | $1.4M |
| Life insurance | UNITEDHEALTHCARE INSURANCE COMPANY | 467 | $66K |
| Long-term disability | UNITEDHEALTHCARE INSURANCE COMPANY | 467 | $66K |
| Other(2 contracts, 2 carriers) | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 467 | $211K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 467 | — |
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.