| 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 | $73K | — | $73K | 4.00% |
| FROST INSURANCE AGENCY INC3 | P.O BOX 16509 FORT WORTH, TX 76162 | STANDARD INSURANCE COMPANY | $13K | — | $13K | 0.73% |
| CENTERSTONE INSURANCE AND FINANCIAL3 Filed as: CENTERSTONE INS & FIN SERVICES, INC | DBA BENEFIT MALL 2111 E HIGHLAND AVENUE, SUITE B210 PHOENIX, AZ 85016 | HCC LIFE INSURANCE COMPANY | $42K | — | $42K | 4.58% |
| FROST INSURANCE AGENCY INC3 | 3611 PAESANOS PKWY STE 100 SAN ANTONIO, TX 78231 | STANDARD INSURANCE COMPANY | $22K | — | $22K | 4.00% |
| FROST INSURANCE AGENCY INC3 | P.O BOX 16509 FORT WORTH, TX 76162 | STANDARD INSURANCE COMPANY | $6K | — | $6K | 1.12% |
| FROST INSURANCE AGENCY INC3 | 401 CONGRESS AVE, STE 1400 AUSTIN, TX 787013793 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES (CIGNA) | $13K | — | $13K | 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 | 4,747 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 128 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 53 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 4,928 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HCC LIFE INSURANCE COMPANY | 3,808 | $921K |
| Dental | SAFEGUARD HEALTH PLANS, INC., A TEXAS CORPORATION | 837 | $0 |
| Vision | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES (CIGNA) | 3,028 | $428K |
| Life insurance | STANDARD INSURANCE COMPANY | 4,769 | $1.8M |
| Long-term disability | STANDARD INSURANCE COMPANY | 4,338 | $551K |
| Other | DEER OAKS | 4,800 | $105K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 4,800 | — |
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."
No prospect flags tripped on this filing.