| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| FROST INSURANCE AGENCY INC3 | 100 W HOUSTON ST 11TH FL SAN ANTONIO, TX 78205 | STANDARD INSURANCE COMPANY | $65K | — | $65K | 3.89% |
| FROST INSURANCE AGENCY INC3 | P.O. BOX 16509 FORT WORTH, TX 76162 | STANDARD INSURANCE COMPANY | $13K | — | $13K | 0.80% |
| FROST INSURANCE AGENCY INC3 | 100 W HOUSTON ST 11TH FL SAN ANTONIO, TX 78205 | STANDARD INSURANCE COMPANY | $26K | — | $26K | 3.81% |
| FROST INSURANCE AGENCY INC3 | P.O. BOX 16509 FORT WORTH, TX 76162 | STANDARD INSURANCE COMPANY | $6K | — | $6K | 0.83% |
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 | 4,651 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 126 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 46 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 4,823 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | AMERICAN FIDELITY ASSURANCE COMPANY | 3,697 | $1.5M |
| Dental | SAFEGUARD HEALTH PLANS, INC., A TEXAS CORPORATION | 816 | $385K |
| Vision | UNITEDHEALTHCARE INSURANCE COMPANY | 6,601 | $345K |
| Life insurance | STANDARD INSURANCE COMPANY | 4,587 | $1.7M |
| Long-term disability | STANDARD INSURANCE COMPANY | 4,472 | $681K |
| Other | DEER OAKS | 4,682 | $102K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 6,601 | — |
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.