| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| FROST INSURANCE AGENCY INC3 Filed as: FROST INSURANCE AGENCY, INC | P.O. BOX 2411 SAN ANTONIO, TX 78298 | SUN LIFE ASSURANCE COMPANY OF CANADA | $19K | — | $19K | 8.00% |
| MGIS3 | 111 SOUTH MAIN STREET SALT LAKE CITY, UT 84111 | SUN LIFE ASSURANCE COMPANY OF CANADA | — | $80 | $80 | 0.03% |
| STEALTH PARTNER GROUP LLC3 Filed as: STEALTH PARTNER GROUP | 18700 N HAYDEN RD STE 405 SCOTTSDALE, AZ 85255 | RELIASTAR LIFE INSURANCE COMANY | $6K | $12K | $18K | 7.54% |
| UMR, INC.3 Filed as: UMR INC | MARY GOSZ MAIL STOP 7320 11 SCOTT ST STE 100 WAUSAU, WI 54403 | RELIASTAR LIFE INSURANCE COMANY | — | $7K | $7K | 3.00% |
| FROST INSURANCE AGENCY INC3 Filed as: FROST INSURANCE AGENCY, INC | P.O. BOX 2411 SAN ANTONIO, TX 78298 | SUN LIFE ASSURANCE COMPANY OF CANADA | $5K | $0 | $5K | 7.00% |
| MGIS3 | 111 SOUTH MAIN STREET SUITE 400 SALT LAKE CITY, UT 84111 | SUN LIFE ASSURANCE COMPANY OF CANADA | $0 | $80 | $80 | 0.12% |
| FROST INSURANCE AGENCY INC3 Filed as: FROST INSURANCE AGENCY, INC | P.O. BOX 2411 SAN ANTONIO, TX 78298 | SUN LIFE ASSURANCE COMPANY OF CANADA | $2K | $0 | $2K | 8.00% |
| MGIS3 | 111 SOUTH MAIN STREET SALT LAKE CITY, UT 84111 | SUN LIFE ASSURANCE COMPANY OF CANADA | — | $80 | $80 | 0.33% |
| FROST INSURANCE AGENCY INC3 | 111 W HOUSTON ST SAN ANTONIO, TX 78205 | CONTINENTAL AMERICAN INSURANCE COMPANY | $1K | — | $1K | 5.89% |
| CANALICHIO INSURANCE GROUP, LLC3 | 1067 FM 306 STE 305 NEW BRAUNFELS, TX 78130 | CONTINENTAL AMERICAN INSURANCE COMPANY | $1K | — | $1K | 5.89% |
| BRENT FORD3 Filed as: BRENT ALAN FORD | 20345 REGENCY RUN GARDEN RIDGE, TX 78266 | CONTINENTAL AMERICAN INSURANCE COMPANY | $355 | — | $355 | 1.82% |
| FROST INSURANCE AGENCY INC3 | P.O. BOX 2411 SAN ANTONIO, TX 78298 | EYEMED VISION CARE | $1K | — | $1K | 9.25% |
| RXBENEFITS, INC.3 | 3700 COLONNADE PKWY, STE 600 BIRMINGHAM, AL 35243 | RXBENEFITS, INC. | — | $2K | $2K | — |
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 | 193 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 195 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | EYEMED VISION CARE | 111 | $13K |
| Life insurance | SUN LIFE ASSURANCE COMPANY OF CANADA | 141 | $68K |
| Short-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 69 | $24K |
| Long-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 139 | $243K |
| Prescription drug | RXBENEFITS, INC. | 131 | $0 |
| Stop-loss / reinsurancereinsurance | RELIASTAR LIFE INSURANCE COMANY | 193 | $236K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 193 | — |
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.