| 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 782982411 | SUN LIFE ASSURANCE COMPANY OF CANADA | $21K | — | $21K | 8.00% |
| MGIS3 | 111 SOUTH MAIN ST SALT LAKE CITY, UT 841112176 | SUN LIFE ASSURANCE COMPANY OF CANADA | — | $60 | $60 | 0.02% |
| FROST INSURANCE AGENCY INC3 Filed as: FROST INSURANCE AGENCY, INC | P.O. BOX 2411 SAN ANTONIO, TX 782982411 | SUN LIFE ASSURANCE COMPANY OF CANADA | $6K | — | $6K | 7.01% |
| MGIS3 | 111 SOUTH MAIN ST SALT LAKE CITY, UT 841112176 | SUN LIFE ASSURANCE COMPANY OF CANADA | — | $60 | $60 | 0.07% |
| FROST INSURANCE AGENCY INC3 Filed as: FROST INSURANCE AGENCY, INC. | 100 W HOUSTON ST SAN ANTONIO, TX 78205 | CONTINENTAL AMERICAN INSURANCE COMPANY | $7K | — | $7K | 24.03% |
| CANALICHIO INSURANCE GROUP, LLC3 | 1067 FM 306, STE 305 NEW BRAUNFELS, TX 78130 | CONTINENTAL AMERICAN INSURANCE COMPANY | $7K | — | $7K | 24.03% |
| BRENT FORD3 Filed as: BRENT ALAN FORD | 20345 REGENCY RUN GARDEN RIDGE, TX 78266 | CONTINENTAL AMERICAN INSURANCE COMPANY | $2K | — | $2K | 7.59% |
| FROST INSURANCE AGENCY INC3 Filed as: FROST INSURANCE AGENCY, INC | P.O. BOX 2411 SAN ANTONIO, TX 782982411 | SUN LIFE ASSURANCE COMPANY OF CANADA | $2K | — | $2K | 8.00% |
| MGIS3 | 111 SOUTH MAIN ST SALT LAKE CITY, UT 841112176 | SUN LIFE ASSURANCE COMPANY OF CANADA | — | $60 | $60 | 0.27% |
| FROST INSURANCE AGENCY INC3 Filed as: FROST INSURANCE AGENCY | P.O. BOX 2411 SAN ANTONIO, TX 78298 | EYEMED VISION CARE | $2K | — | $2K | 10.01% |
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 | 273 | 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) | 273 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | EYEMED VISION CARE | 273 | $19K |
| Life insurance | SUN LIFE ASSURANCE COMPANY OF CANADA | 157 | $84K |
| Short-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 82 | $22K |
| Long-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 154 | $266K |
| Stop-loss / reinsurancereinsurance | NATIONWIDE | 154 | $261K |
| Other(2 contracts, 2 carriers) | SUN LIFE ASSURANCE COMPANY OF CANADA | 157 | $113K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 273 | — |
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.