| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| FROST INSURANCE AGENCY INC3 Filed as: FROST INSURANCE AGENCY, INC | 3611 PAESANOS PKWY STE 100 SAN ANTONIO, TX 782311256 | BLUE CROSS BLUE SHIELD OF TEXAS | $20K | $4 | $20K | 1.05% |
| CRANDALL & ASSOCIATES INC3 Filed as: CRANDALL AND ASSOCIATES, INC. | 5406 PRUE ROAD SAN ANTONIO, TX 782401623 | BLUE CROSS BLUE SHIELD OF TEXAS | $11K | $2 | $11K | 0.60% |
| SOUTH TEXAS RADIOLOGY GROUP, PA | 8401 DATA POINT STE 600 SAN ANTONIO, TX 782295907 | BLUE CROSS BLUE SHIELD OF TEXAS | — | $2 | $2 | 0.00% |
| CRANDELL AND ASSOCIATES3 | 5406 PRUE RD SAN ANTONIO, TX 782401623 | METROPOLITIAN LIFE INSURANCE COMPANY | $5K | $109 | $5K | 8.22% |
| FROST INSURANCE AGENCY INC3 Filed as: FROST INS AGENCY INC | 3611 PAESANOS PKWY, STE 100 SAN ANTONIO, TX 782311256 | METROPOLITIAN LIFE INSURANCE COMPANY | $5K | $69 | $5K | 7.51% |
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 | 382 | 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) | 382 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF TEXAS | 382 | $1.9M |
| Dental | BLUE CROSS BLUE SHIELD OF TEXAS | 382 | $1.9M |
| Life insurance | METROPOLITIAN LIFE INSURANCE COMPANY | 337 | $61K |
| Prescription drug | BLUE CROSS BLUE SHIELD OF TEXAS | 382 | $1.9M |
| Other | METROPOLITIAN LIFE INSURANCE COMPANY | 337 | $61K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 382 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.