| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| FROST INSURANCE AGENCY INC3 | 401 CONGRESS AVE FL 14 AUSTIN, TX 787014071 | METROPOLITAN LIFE INSURANCE COMPANY | $19K | $21 | $19K | 9.05% |
| FROST INSURANCE AGENCY INC3 | 3611 PAESANOS PKWY STE 100 SAN ANTONIO, TX 782311256 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $6K | $6K | 2.92% |
| FROST INSURANCE AGENCY INC3 | 401 CONGRESS AVE FL 14 AUSTIN, TX 78701 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $8K | $0 | $8K | 5.00% |
| FROST INSURANCE AGENCY INC3 | PO BOX 33528 FORT WORTH, TX 761620509 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $0 | $418 | $418 | 0.25% |
| FROST INSURANCE AGENCY INC3 | 401 CONGRESS AVE STE 1400 AUSTIN, TX 78701 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $2K | $0 | $2K | 3.00% |
| FROST INSURANCE AGENCY INC3 | PO BOX 33528 FORT WORTH, TX 761620509 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $0 | $171 | $171 | 0.23% |
| FROST INSURANCE AGENCY INC3 | 401 CONGRESS AVE FL 14 AUSTIN, TX 787014071 | UNITEDHEALTHCARE INSURANCE COMPANY | $3K | $0 | $3K | 9.85% |
| FROST INSURANCE AGENCY INC3 | 401 CONGRESS AVE FL 14 AUSTIN, TX 787014071 | SAFEGUARD HEALTH PLANS, INC., A TEXAS CORPORATION | $3K | $0 | $3K | 9.11% |
| FROST INSURANCE AGENCY INC3 | 3611 PAESANOS PKWY STE 100 SAN ANTONIO, TX 782311256 | SAFEGUARD HEALTH PLANS, INC., A TEXAS CORPORATION | $0 | $1K | $1K | 4.03% |
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 | 471 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 473 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental(4 contracts, 4 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 364 | $262K |
| Vision | UNITEDHEALTHCARE INSURANCE COMPANY | 317 | $31K |
| Life insurance | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 471 | $166K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 401 | $73K |
| Stop-loss / reinsurancereinsurance | UNITEDHEALTHCARE INSURANCE COMPANY | 432 | $535K |
| Other(2 contracts, 2 carriers) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 471 | $174K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 471 | — |
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.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.