| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| FROST INSURANCE AGENCY INC3 Filed as: FROST INSURANCE AGENCY | PO BOX 225749 DALLAS, TX 75222 | BLUECROSS BLUESHIELD OF TEXAS | $45K | $2K | $47K | 5.71% |
| FROST INSURANCE AGENCY INC3 | PO BOX 225749 DALLAS, TX 75222 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $6K | — | $6K | 14.68% |
| SHELLY L. LISKA3 Filed as: SHELLY L LISKA | 215 LIBERTY LANE PLEASANTON, TX 78064 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2K | $130 | $2K | 4.33% |
| KELLY MELISSA RUSHING3 | 725 RIVER BLUFF DRIVE LYTLE, TX 78052 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1K | $303 | $1K | 3.76% |
| LEONEL RUIZ3 | 1590 PASEO UNION SAN BENITO, TX 78586 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1K | — | $1K | 3.05% |
| TROY J PALMER3 | 15534 CLOVER RDG SAN ANTONIO, TX 78248 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $607 | $113 | $720 | 1.82% |
| SA GENERAL AGENCY INC3 | 9385 MILLER LANE GARDEN RIDGE, TX 78266 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $317 | $193 | $510 | 1.29% |
| JOHN DAVID BODKER3 | 11230 WEST AVE SAN ANTONIO, TX 78213 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $255 | $168 | $423 | 1.07% |
| CARLOS ERNESTO HERNANDEZ3 | 11614 COUNSELOR ST HOUSTON, TX 77065 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $327 | — | $327 | 0.82% |
| JORGE ALEJANDRO MONTEMAYOR3 | 10702 N 23RD LANE MCALLEN, TX 78504 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $227 | $51 | $278 | 0.70% |
| HORIZON BENEFITS LLC3 | 9385 MILLER LANE GARDEN RIDGE, TX 78266 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $84 | $56 | $140 | 0.35% |
| LISA M MITCHELL3 | 30251 NORMAN ROAD RIO HONDO, TX 78583 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $126 | — | $126 | 0.32% |
| SALAZAR INSURANCE GROUP LLC3 Filed as: SALAZAR INSURANCE GROUP | 611 E LOOP 499 HARLINGEN, TX 78550 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $29 | $65 | $94 | 0.24% |
| DION CHAVEZ3 | 611 E LOOP 499 HARLINGEN, TX 78550 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $29 | $41 | $70 | 0.18% |
| MICHAEL ANTHONY CHANDLER3 | 3314 VALLEY CRK SAN ANTONIO, TX 78261 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $39 | $1 | $40 | 0.10% |
| BRIAN WHITE3 Filed as: BRIAN R MADTES | 1308 JAMES COOK WINDCREST, TX 78239 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $35 | — | $35 | 0.09% |
| OMAR MENDOZA3 | 26326 ROCKWALL PKWY NEW BRAUNFELS, TX 78132 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $29 | — | $29 | 0.07% |
| BILLY MARK ROBERSON3 | 17415 SHADY CANYON SAN ANTONIO, TX 78248 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $29 | — | $29 | 0.07% |
| GALE SIMPSON3 | 1830 CONNIE DRIVE CANYON LAKE, TX 78133 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $8 | — | $8 | 0.02% |
| MICHAEL SNYDER3 | 19518 KILBOURN RD HARLINGEN, TX 78550 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $5 | $2 | $7 | 0.02% |
| LEONIDES H VILLA3 | 522 E VILLARET BLVD SAN ANTONIO, TX 78221 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1 | — | $1 | 0.00% |
| FROST INSURANCE AGENCY INC3 | PO BOX 225749 DALLAS, TX 75222 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $7K | — | $7K | 18.12% |
| SHELLY L. LISKA3 Filed as: SHELLY L LISKA | 215 LIBERTY LANE PLEASANTON, TX 78064 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2K | $156 | $2K | 5.18% |
| KELLY MELISSA RUSHING3 | 725 RIVER BLUFF DRIVE LYTLE, TX 78052 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1K | $386 | $2K | 4.78% |
| JORGE ALEJANDRO MONTEMAYOR3 | 10702 N 23RD LANE MCALLEN, TX 78504 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $788 | $183 | $971 | 2.52% |
| TROY J PALMER3 | 15534 CLOVER RIDGE SAN ANTONIO, TX 78248 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $782 | $148 | $930 | 2.42% |
| LEONEL RUIZ3 | 1590 PASEO UNION SAN BENITO, TX 78586 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $875 | — | $875 | 2.27% |
| SA GENERAL AGENCY INC3 | 9385 MILLER LANE GARDEN RIDGE, TX 78266 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $340 | $216 | $556 | 1.44% |
| JOHN DAVID BODKER3 | 11230 WEST AVE SAN ANTONIO, TX 78213 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $316 | $209 | $525 | 1.36% |
| CARLOS ERNESTO HERNANDEZ3 | 11614 COUNSELOR ST HOUSTON, TX 77065 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $344 | — | $344 | 0.89% |
| LISA M MITCHELL3 | 30251 NORMAN ROAD RIO HONDO, TX 78583 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $191 | — | $191 | 0.50% |
| SALAZAR INSURANCE GROUP LLC3 | 611 E LOOP 499 HARLINGEN, TX 78550 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $56 | $124 | $180 | 0.47% |
| DION CHAVEZ3 | 611 E LOOP 499 HARLINGEN, TX 78550 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $56 | $78 | $134 | 0.35% |
| LEONIDES H VILLA3 | 522 E VILLARET BLVD SAN ANTONIO, TX 78221 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $124 | — | $124 | 0.32% |
| HORIZON BENEFITS LLC3 | 9385 MILLER LANE GARDEN RIDGE, TX 78266 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $66 | $43 | $109 | 0.28% |
| BRIAN WHITE3 Filed as: BRIAN R MADTES | 1308 JAMES COOK WINDCREST, TX 78239 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $43 | — | $43 | 0.11% |
| BILLY MARK ROBERSON3 | 17415 SHADY CANYON SAN ANTONIO, TX 78248 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $37 | — | $37 | 0.10% |
| OMAR MENDOZA3 | 26326 ROCKWALL PKWY NEW BRAUNFELS, TX 78132 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $37 | — | $37 | 0.10% |
| MICHAEL ANTHONY CHANDLER3 | 3314 VALLEY CRK SAN ANTONIO, TX 78261 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $26 | $1 | $27 | 0.07% |
| PAUL LARSON3 | 611 N. BIRDSONG SAN ANTONIO, TX 78258 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $21 | — | $21 | 0.05% |
| MICHAEL SNYDER3 | 19518 KILBOURN RD HARLINGEN, TX 78550 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $8 | $3 | $11 | 0.03% |
| DONNA SWINNEA3 | 611 E LOOP 499 HARLINGEN, TX 78550 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $3 | — | $3 | 0.01% |
| LLOYD PRATT INS3 | 1202 EAST TYLER AVE HARLINGEN, TX 78550 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $3 | — | $3 | 0.01% |
| PAUL J PIPER3 | 611 E LOOP 499 HARLINGEN, TX 78550 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1 | — | $1 | 0.00% |
| FROST INSURANCE AGENCY INC3 | PO BOX 225749 DALLAS, TX 75222 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $5K | — | $5K | 14.51% |
| SHELLY L. LISKA3 Filed as: SHELLY L LISKA | 215 LIBERTY LANE PLEASANTON, TX 78064 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1K | $110 | $1K | 3.92% |
| LEONEL RUIZ3 | 1590 PASEO UNION SAN BENITO, TX 78586 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1K | — | $1K | 3.81% |
| KELLY MELISSA RUSHING3 | 725 RIVER BLUFF DRIVE LYTLE, TX 78052 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1K | $290 | $1K | 3.79% |
| TROY J PALMER3 | 15534 CLOVER RDG SAN ANTONIO, TX 78248 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $478 | $94 | $572 | 1.57% |
| SA GENERAL AGENCY INC3 | 9385 MILLER LANE GARDEN RIDGE, TX 78266 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $300 | $188 | $488 | 1.34% |
| JOHN DAVID BODKER3 | 11230 WEST AVE SAN ANTONIO, TX 78213 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $258 | $166 | $424 | 1.16% |
| JORGE ALEJANDRO MONTEMAYOR3 | 10702 N 23RD LANE MCALLEN, TX 78504 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $266 | $61 | $327 | 0.90% |
| CARLOS ERNESTO HERNANDEZ3 | 11614 COUNSELOR ST HOUSTON, TX 77065 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $230 | — | $230 | 0.63% |
| HORIZON BENEFITS LLC3 | 9385 MILLER LANE GARDEN RIDGE, TX 78266 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $81 | $53 | $134 | 0.37% |
| LEONIDES H VILLA3 | 522 E VILLARET BLVD SAN ANTONIO, TX 78221 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $132 | — | $132 | 0.36% |
| SALAZAR INSURANCE GROUP LLC3 | 611 E LOOP 499 HARLINGEN, TX 78550 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $22 | $49 | $71 | 0.19% |
| DION CHAVEZ3 | 611 E LOOP 499 HARLINGEN, TX 78550 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $22 | $30 | $52 | 0.14% |
| MICHAEL ANTHONY CHANDLER3 | 3314 VALLEY CRK SAN ANTONIO, TX 78261 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $51 | $1 | $52 | 0.14% |
| LISA M MITCHELL3 | 30251 NORMAN RD RIO HONDO, TX 78583 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $50 | — | $50 | 0.14% |
| BILLY MARK ROBERSON3 | 17415 SHADY CANYON SAN ANTONIO, TX 78248 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $25 | — | $25 | 0.07% |
| OMAR MENDOZA3 | 26326 ROCKWALL PKWY NEW BRAUNFELS, TX 78132 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $25 | — | $25 | 0.07% |
| BRIAN WHITE3 Filed as: BRIAN R MADTES | 1308 JAMES COOK WINDCREST, TX 78239 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $24 | — | $24 | 0.07% |
| MICHAEL SNYDER3 | 19518 KILBOUM RD HARLINGEN, TX 78550 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2 | $1 | $3 | 0.01% |
| PAUL LARSON3 | 611 N BIRDSONG SAN ANTONIO, TX 78258 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2 | — | $2 | 0.01% |
| FROST INSURANCE AGENCY INC3 Filed as: FROST INSURANCE AGENCY | PO BOX 225749 DALLAS, TX 75222 | DEARBORN NATIONAL LIFE INSURANCE COMPANY | $5K | — | $5K | 13.24% |
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 | 344 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 12 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 357 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUECROSS BLUESHIELD OF TEXAS | 299 | $820K |
| Vision | DEARBORN NATIONAL LIFE INSURANCE COMPANY | 228 | $35K |
| Life insurance(4 contracts, 2 carriers) | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 228 | $149K |
| Other(4 contracts, 2 carriers) | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 228 | $149K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 299 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.