| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| FROST INSURANCE AGENCY INC3 Filed as: FROST INSURANCE SERVICES, INC. | 4200 SOUTH HULEN STREET, SUITE 330 FORT WORTH, TX 76109 | COMPANION LIFE INSURANCE COMPANY | $67K | — | $67K | 13.64% |
| FROST INSURANCE AGENCY INC3 Filed as: FROST INSURANCE AGENCY, INC. | 401 CONGRESS AVENUE, SUITE 1400 AUSTIN, TX 78701 | HUMANA HEALTH PLAN OF TEXAS, INC. | $16K | $4K | $20K | 6.53% |
| FROST INSURANCE AGENCY INC3 Filed as: FROST INSURANCE AGENCY, INC. | 401 CONGRESS AVENUE, SUITE 1400 AUSTIN, TX 78701 | HUMANADENTAL INSURANCE COMPANY | $2K | $1K | $4K | 17.32% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH AND MCLENNAN AGENCY | 7015 COLLEGE BOULEVARD, SUITE 400 LEAWOOD, KS 66211 | HUMANADENTAL INSURANCE COMPANY | -$3 | — | -$3 | -0.01% |
| FROST INSURANCE AGENCY INC3 Filed as: FROST INSURANCE AGENCY, INC. | 401 CONGRESS AVENUE, SUITE 1400 AUSTIN, TX 78701 | METROPOLITAN LIFE INSURANCE COMPANY | $1K | $21 | $1K | 10.47% |
| FROST INSURANCE AGENCY INC3 Filed as: FROST INSURANCE AGENCY, INC. | 3611 PAESANOS PARKWAY, SUITE 100 SAN ANTONIO, TX 78231 | METROPOLITAN LIFE INSURANCE COMPANY | — | $562 | $562 | 4.12% |
| FROST INSURANCE AGENCY INC3 Filed as: FROST INSURANCE AGENCY, INC. | 401 CONGRESS AVENUE, SUITE 1400 AUSTIN, TX 78701 | KANAWHA INSURANCE COMPANY | $3K | $742 | $3K | 34.93% |
| FROST INSURANCE AGENCY INC3 Filed as: FROST INSURANCE AGENCY, INC. | 401 CONGRESS AVENUE, SUITE 1400 AUSTIN, TX 78701 | HUMANA INSURANCE COMPANY | $680 | $176 | $856 | 24.37% |
| FROST INSURANCE AGENCY INC3 Filed as: FROST INSURANCE AGENCY, INC. | 401 CONGRESS AVENUE, SUITE 1400 AUSTIN, TX 78701 | DENTICARE, INC. | $241 | $65 | $306 | 13.55% |
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 | 484 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 484 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | COMPANION LIFE INSURANCE COMPANY | 484 | $800K |
| Dental(2 contracts, 2 carriers) | HUMANADENTAL INSURANCE COMPANY | 53 | $23K |
| Vision | HUMANADENTAL INSURANCE COMPANY | 53 | $21K |
| Life insurance(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 53 | $17K |
| Short-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 53 | $14K |
| Long-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 53 | $14K |
| Prescription drug(2 contracts, 2 carriers) | COMPANION LIFE INSURANCE COMPANY | 484 | $800K |
| Other(4 contracts, 4 carriers) | WORKERS ASSISTANCE PROGRAM, INC. | 635 | $43K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 635 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.