| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| FROST INSURANCE AGENCY INC3 | 3707 E RICHMOND AVE HOUSTON, TX 77046 | BLUECROSS BLUESHIELD OF TEXAS | $25K | — | $25K | 4.89% |
| FROST INSURANCE AGENCY INC3 Filed as: FROST INSURANCE AGENCY | 6835 NORTH MAIN STREET VICTORIA, TX 77904 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $20K | $4K | $24K | 33.04% |
| SHELLY L. LISKA3 Filed as: SHELLY L LISKA | 215 LIBERTY LANE PLEASANTON, TX 78064 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $4K | $1K | $5K | 6.53% |
| KELLY MELISSA KRISCH3 | 725 RIVER BLUFF DR. LYTLE, TX 78052 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $3K | $975 | $4K | 5.97% |
| SA GENERAL AGENCY INC3 | 9385 MILLER LANE GARDEN RIDGE, TX 78266 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1K | $1K | $3K | 3.80% |
| PAUL LARSON3 | 611 N BIRDSONG SAN ANTONIO, TX 78258 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2K | $210 | $2K | 2.67% |
| LEONIDES H VILLA3 | 522 E VILLARET BLVD SAN ANTONIO, TX 78221 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2K | $95 | $2K | 2.43% |
| OMAR MENDOZA3 | 26326 ROCKWALL PKWY NEW BRAUNFELS, TX 78132 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1K | $504 | $2K | 2.23% |
| MARIA SYLVIA LAU3 | 2417 TIMBERWOOD AVENUE MISSION, TX 78574 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $89 | $7 | $96 | 0.13% |
| MICHAEL SNYDER3 Filed as: MICHAEL J SNYDER | 19518 KILBOURN RD. HARLINGEN, TX 78550 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $64 | $28 | $92 | 0.13% |
| ELSA ALICIA RUIZ3 Filed as: ELSA RUIZ | 2816 QUAIL AVE. MCALLEN, TX 78504 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $24 | — | $24 | 0.03% |
| ERIKA Y MORALES3 | 611 N MCCOLL ROAD MCALLEN, TN 78501 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $4 | $2 | $6 | 0.01% |
| FROST INSURANCE AGENCY INC3 | PO BOX 2625 VICTORIA, TX 77902 | AMERITAS LIFE INSURANCE CORP. | $7K | — | $7K | 10.00% |
| FROST INSURANCE AGENCY INC3 Filed as: FROST INSURANCE AGENCY | 6835 N MAIN STREET DALLAS, TX 77904 | COLONIAL LIFE AND ACCIDENT INS. CO. | $16K | $3K | $19K | 34.51% |
| SHELLY L. LISKA3 Filed as: SHELLY L LISKA | 215 LIBERTY LANE PLEASANTON, TX 78064 | COLONIAL LIFE AND ACCIDENT INS. CO. | $3K | $903 | $4K | 6.82% |
| KELLY MELISSA RUSHING3 Filed as: KELLY M. KRISCH | 725 RIVER BLUFF DRIVE LYTLE, TX 78052 | COLONIAL LIFE AND ACCIDENT INS. CO. | $3K | $771 | $3K | 6.15% |
| LISA M MITCHELL3 | 30251 NORMAN ROAD RIO HONDO, TX 78583 | COLONIAL LIFE AND ACCIDENT INS. CO. | $2K | $450 | $3K | 5.16% |
| SA GENERAL AGENCY INC3 | 9385 MILLER LANE GARDEN RIDGE, TX 78266 | COLONIAL LIFE AND ACCIDENT INS. CO. | $1K | $1K | $2K | 3.97% |
| BILLY MARK ROBERSON3 | 17415 SHADY CANYON SAN ANTONIO, TN 78248 | COLONIAL LIFE AND ACCIDENT INS. CO. | $1K | $452 | $2K | 2.89% |
| BILLY MARK ROBERSON3 | 19518 KILBOURN RD SAN ANTONIO, TX 78248 | COLONIAL LIFE AND ACCIDENT INS. CO. | $1K | $452 | $2K | 2.89% |
| TROY J PALMER3 | 15534 CLOVER RDG SAN ANTONIO, TX 78248 | COLONIAL LIFE AND ACCIDENT INS. CO. | $1K | $417 | $2K | 2.76% |
| TROY J PALMER3 | 15534 CLOVER RDG SAN ANTONIO, TX 78248 | COLONIAL LIFE AND ACCIDENT INS. CO. | $1K | $417 | $2K | 2.76% |
| LISA M MITCHELL3 | 30251 NORMAN ROAD RIO HONDO, TX 78583 | COLONIAL LIFE AND ACCIDENT INS. CO. | $1K | $230 | $1K | 2.64% |
| LISA M MITCHELL3 | 30251 NORMAN RD. RIO HONDO, TN 78583 | COLONIAL LIFE AND ACCIDENT INS. CO. | $1K | $230 | $1K | 2.64% |
| BRIAN WHITE3 Filed as: BRIAN R MADTES | 1308 JAMES COOK WINDCREST, TN 78239 | COLONIAL LIFE AND ACCIDENT INS. CO. | $970 | $499 | $1K | 2.62% |
| BRIAN WHITE3 Filed as: BRIAN R MADTES | 1308 JAMES COOK WINDCREST, TX 78239 | COLONIAL LIFE AND ACCIDENT INS. CO. | $970 | $499 | $1K | 2.62% |
| OMAR MENDOZA3 | 26326 ROCKWALL PARKWAY NEW BRAUNFELS, TN 78132 | COLONIAL LIFE AND ACCIDENT INS. CO. | $890 | $400 | $1K | 2.30% |
| BILLY MARK ROBERSON3 | 17415 SHADY CANYON SAN ANTONIO, TX 78248 | COLONIAL LIFE AND ACCIDENT INS. CO. | $928 | $360 | $1K | 2.30% |
| TROY J PALMER3 | 15534 CLOVER RDG SAN ANTONIO, TX 78248 | COLONIAL LIFE AND ACCIDENT INS. CO. | $909 | $336 | $1K | 2.22% |
| BRIAN WHITE3 Filed as: BRIAN R MADTES | 1308 JAMES COOK WINDCREST, TX 78239 | COLONIAL LIFE AND ACCIDENT INS. CO. | $752 | $388 | $1K | 2.04% |
| LEONIDES H VILLA3 | 522 E VILLARET BLVD SAN ANTONIO, TX 78221 | COLONIAL LIFE AND ACCIDENT INS. CO. | $963 | $54 | $1K | 1.82% |
| HORIZON BENEFITS LLC3 | 9385 MILLER LANE GARDEN RIDGE, TX 78266 | COLONIAL LIFE AND ACCIDENT INS. CO. | $411 | $458 | $869 | 1.55% |
| HORIZON BENEFITS LLC3 Filed as: HORIZON BENEFITS | 9385 MILLER LN GARDEN RIDGE, TX 78266 | COLONIAL LIFE AND ACCIDENT INS. CO. | $411 | $458 | $869 | 1.55% |
| PAUL LARSON3 | 611 N BIRDSONG SAN ANTONIO, TX 78258 | COLONIAL LIFE AND ACCIDENT INS. CO. | $679 | $82 | $761 | 1.36% |
| HORIZON BENEFITS LLC3 | 9385 MILLER LANE GARDEN RIDGE, TX 78266 | COLONIAL LIFE AND ACCIDENT INS. CO. | $312 | $350 | $662 | 1.18% |
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 | 209 | 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) | 209 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUECROSS BLUESHIELD OF TEXAS | 209 | $504K |
| Dental | AMERITAS LIFE INSURANCE CORP. | 338 | $67K |
| Vision | AMERITAS LIFE INSURANCE CORP. | 338 | $67K |
| Life insurance | COLONIAL LIFE AND ACCIDENT INS. CO. | 44 | $56K |
| Other | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 108 | $73K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 338 | — |
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.