| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| FROST INSURANCE AGENCY INC3 | 3611 PAESANOS PKWY STE 100 SAN ANTONIO, TX 78231 | STANDARD INSURANCE COMPANY | $61K | — | $61K | 3.99% |
| NFP INSURANCE SERVICES INC3 | BLDG 2 STE 125 1250 CAPITAL OF TX HWY AUSTIN, TX 78746 | STANDARD INSURANCE COMPANY | $34K | — | $34K | 2.22% |
| FROST INSURANCE AGENCY INC3 | 4200 S HULEN ST STE 330 FORT WORTH, TX 76109 | STANDARD INSURANCE COMPANY | $14K | — | $14K | 0.89% |
| CENTERSTONE INSURANCE AND FINANCIAL3 Filed as: CENTERSTONE INS & FIN SERVICES, INC | DBA BENEFITMALL 2111 E HIGHLAND AVENUE, SUITE B210 PHOENIX, AZ 85016 | HCC LIFE INSURANCE COMPANY | $38K | — | $38K | 5.00% |
| FROST INSURANCE AGENCY INC3 | 3611 PAESANOS PKWY STE 100 SAN ANTONIO, TX 78231 | STANDARD INSURANCE COMPANY | $18K | — | $18K | 3.99% |
| NFP INSURANCE SERVICES INC3 | BLDG 2 STE 125 1250 CAPITAL OF TX HWY AUSTIN, TX 78746 | STANDARD INSURANCE COMPANY | $10K | — | $10K | 2.17% |
| FROST INSURANCE AGENCY INC3 | 4200 S HULEN ST STE 330 FORT WORTH, TX 76109 | STANDARD INSURANCE COMPANY | $8K | — | $8K | 1.84% |
| FROST INSURANCE AGENCY INC3 | 401 CONGRESS AVE, STE 1400 AUSTIN, TX 787013793 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES (CIGNA) | $12K | — | $12K | 3.00% |
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 | 4,375 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 120 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 33 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 4,528 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HCC LIFE INSURANCE COMPANY | 3,586 | $758K |
| Dental | SAFEGUARD HEALTH PLANS, INC., A TEXAS CORPORATION | 796 | $91K |
| Vision | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES (CIGNA) | 2,717 | $388K |
| Life insurance | STANDARD INSURANCE COMPANY | 4,340 | $1.5M |
| Long-term disability | STANDARD INSURANCE COMPANY | 4,168 | $458K |
| Other | CIGNA BEHAVIORAL HEALTH, INC. | 4,364 | $98K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 4,364 | — |
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.