| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| FROST INSURANCE AGENCY INC3 Filed as: FROST INSURANCE AGENCY, INC. | — | BLUECROSS BLUESHIELD OF TEXAS | $73K | $8K | $81K | 5.45% |
| FROST INSURANCE AGENCY INC3 Filed as: FROST INSURANCE AGENCY | — | BLUECROSS BLUESHIELD OF TEXAS | — | $4K | $4K | 0.27% |
| FROST INSURANCE AGENCY INC3 Filed as: FROST INSURANCE AGENCY | P.O. BOX 225749 DALLAS, TX 75222 | DEARBORN LIFE INSURANCE COMPANY | $7K | — | $7K | 13.33% |
| FROST INSURANCE AGENCY INC3 Filed as: FROST INSURANCE AGENCY | 401 CONGRESS AVE FL 14 AUSTIN, TX 78701 | UNITEDHEALTHCARE INSURANCE COMPANY | $5K | — | $5K | 10.59% |
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 | 535 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 94 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 631 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUECROSS BLUESHIELD OF TEXAS | 246 | $1.5M |
| Dental | BLUECROSS BLUESHIELD OF TEXAS | 246 | $1.5M |
| Vision | DEARBORN LIFE INSURANCE COMPANY | 610 | $54K |
| Life insurance | DEARBORN LIFE INSURANCE COMPANY | 610 | $54K |
| Long-term disability | UNITEDHEALTHCARE INSURANCE COMPANY | 90 | $43K |
| Other | DEARBORN LIFE INSURANCE COMPANY | 610 | $54K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 610 | — |
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.