| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| FROST INSURANCE AGENCY INC3 Filed as: FROST INSURANCE AGENCY INC. | 6750 WEST LOOP SOUTH SUITE 250 BELLAIRE, TX 77401 | METROPOLITAN LIFE INSURANCE COMPANY | $44K | $11 | $44K | 10.04% |
| FROST INSURANCE AGENCY INC3 Filed as: FROST INSURANCE AGENCY INC. | 3611 PAESANOS PARKWAY SUITE 100 SAN ANTONIO, TX 78231 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $3K | $3K | 0.60% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP INS SERVICES INC | 1250 S. CAPITAL OF TEXAS HWY BLDG 2 SUITE 125 AUSTIN, TX 78746 | METROPOLITAN LIFE INSURANCE COMPANY | $73 | $0 | $73 | 0.02% |
| MJ INSURANCE3 Filed as: FROST INSURANE AGENCY, INC. | 6750 W. LOOP SOUTH SUITE 250 BELLAIRE, TX 77401 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | $22K | $0 | $22K | 5.58% |
| FROST INSURANCE AGENCY INC Filed as: FROST INSURANCE ACENCY, INC. | 6750 W. LOOP SOUTH SUITE 250 BELLAIRE, TX 77401 | VISION SERVICE PLAN | $0 | $0 | $0 | 0.00% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| CIGNA HEALTH AND LIFE INSURANCE COM EIN 59-1031071 CLAIMS PROCESSOR | Named fiduciary; Participant communication; Claims processing; Float revenue; Contract Administrator; Other services; Non-monetary compensation; Direct payment from the plan Service code 12 | — | $531K |
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 | 1,577 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 10 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 1,587 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | VISION SERVICE PLAN | 723 | $66K |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 2,779 | $440K |
| Stop-loss / reinsurancereinsurance | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 1,192 | $390K |
| Other | METROPOLITAN LIFE INSURANCE COMPANY | 2,779 | $440K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,779 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.