| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| FROST INSURANCE AGENCY INC3 | C/O JANIT HANEY 401 CONGRESS AVE STE 1400 AUSTIN, TX 78701 | STANDARD INSURANCE COMPANY | $86K | — | $86K | 6.88% |
| FROST INSURANCE AGENCY INC3 | C/O JANIT HANEY 401 CONGRESS AVE STE 1400 AUSTIN, TX 78701 | STANDARD INSURANCE COMPANY | $41K | — | $41K | 5.06% |
| FROST INSURANCE AGENCY INC3 | PO BOX 225749 DALLAS, TX 752225749 | UNITEDHEALTHCARE INSURANCE COMPANY | $12K | — | $12K | 3.47% |
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 | 5,087 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 58 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 86 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 5,231 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | AMERICAN FIDELITY ASSURANCE COMPANY | 4,115 | $2.3M |
| Dental | SAFEGUARD HEALTH PLANS, INC., A TEXAS CORPORATION | 932 | $106K |
| Vision | UNITEDHEALTHCARE INSURANCE COMPANY | 7,203 | $360K |
| Life insurance | STANDARD INSURANCE COMPANY | 4,919 | $1.3M |
| Long-term disability | STANDARD INSURANCE COMPANY | 4,642 | $814K |
| Other | DEER OAKS | 4,884 | $107K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 7,203 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.