| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| FROST INSURANCE AGENCY INC3 Filed as: FROST INSURANCE AGENCY, INC. | 401 CONGRESS AVENUE, SUITE 1400 AUSTIN, TX 78701 | HUMANA HEALTH PLAN OF TEXAS, INC | $18K | $2K | $19K | 5.28% |
| FROST INSURANCE AGENCY INC3 Filed as: FROST INSURANCE SERVICES | 4200 SOUTH HULEN STREET, SUITE 330 FORT WORTH, TX 76109 | COMPANION LIFE INSURANCE COMPANY | $24K | $0 | $24K | 12.00% |
| FROST INSURANCE AGENCY INC3 Filed as: FROST INSURANCE AGENCY, INC. | 401 CONGRESS AVENUE, SUITE 1400 AUSTIN, TX 78701 | HUMANA INSURANCE COMPANY | $3K | $1K | $5K | 12.96% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH AND MCLENNAN AGENCY, LLC | 7015 COLLEGE BOULEVARD, SUITE 400 LEAWOOD, KS 66211 | HUMANA INSURANCE COMPANY | -$18 | $0 | -$18 | -0.05% |
| FROST INSURANCE AGENCY INC3 Filed as: FROST INS. AGENCY INC. | 401 CONGRESS AVENUE, 14TH FLOOR AUSTIN, TX 78701 | METROPOLITAN LIFE INSURANCE COMPANY | $3K | $48 | $3K | 15.26% |
| FROST INSURANCE AGENCY INC3 Filed as: FROST INS. AGENCY INC. | 3611 PAESANOS PARKWAY SUITE 100 SAN ANTONIO, TX 78231 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $818 | $818 | 4.40% |
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 | 533 | 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) | 533 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | HUMANA HEALTH PLAN OF TEXAS, INC | 333 | $563K |
| Dental | HUMANA INSURANCE COMPANY | 67 | $36K |
| Vision | HUMANA INSURANCE COMPANY | 67 | $36K |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 49 | $19K |
| Short-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 49 | $19K |
| Long-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 49 | $19K |
| Prescription drug(2 contracts, 2 carriers) | HUMANA HEALTH PLAN OF TEXAS, INC | 333 | $563K |
| Other(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 642 | $34K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 642 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.