| 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 | $55K | $2K | $57K | 5.03% |
| USI INSURANCE SERVICES LLC3 Filed as: USI SOUTHWEST INC. | 9811 KATY FREEWAY, SUITE 500 HOUSTON, TX 77024 | BLUECROSS BLUESHIELD OF TEXAS | $6K | — | $6K | 0.54% |
| FROST INSURANCE AGENCY INC3 Filed as: FROST INSURANCE AGENCY | PO BOX 225749 DALLAS, TX 75222 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $6K | $0 | $6K | 7.43% |
| TIMOTHY J REED3 Filed as: TIMOTHY COBB | 116 SPINEL LANE KNIGHTGALE, NC 27545 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2K | $2K | $3K | 4.37% |
| TROY J PALMER3 Filed as: TROY J. PALMER | 15534 CLOVER RIDGE SAN ANTONIO, TX 78248 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2K | $650 | $3K | 3.75% |
| KELLY MELISSA RUSHING3 | 725 RIVER BLUFF DRIVE LYTLE, TX 78052 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1K | $156 | $1K | 1.73% |
| SHELLY L. LISKA3 | 215 LIBERTY LANE PLEASANTON, TX 78064 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $777 | $0 | $777 | 0.99% |
| THOMAS SNYDER3 | 9385 MILLER LANE GARDEN RIDGE, TX 78266 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $351 | $323 | $674 | 0.86% |
| MJ INSURANCE3 Filed as: JORGE MONTEMAYOR AND VARIOUS AGENTS | 10702 NORTH 23RD LANE MCALLEN, TX 78504 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $526 | $63 | $589 | 0.75% |
| FROST INSURANCE AGENCY INC3 Filed as: FROST INSURANCE AGENCY, INC. | PO BOX 225749 DALLAS, TX 75222 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $6K | $0 | $6K | 9.73% |
| TIMOTHY J REED3 Filed as: TIMOTHY COBB | 116 SPINEL LANE KNIGHTGALE, NC 27545 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2K | $2K | $4K | 6.38% |
| TROY J PALMER3 Filed as: TROY J. PALMER | 15534 CLOVER RIDGE SAN ANTONIO, TX 78248 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2K | $643 | $3K | 4.23% |
| KELLY MELISSA RUSHING3 | 725 RIVER BLUFF DRIVE LYTLE, TX 78052 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1K | $190 | $1K | 2.12% |
| MJ INSURANCE3 Filed as: SHELLY L. LISKA AND VARIOUS AGENTS | 215 LIBERTY LANE PLEASANTON, TX 78064 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $911 | $48 | $959 | 1.45% |
| JORGE ALEJANDRO MONTEMAYOR3 | 10702 NORTH 23RD LANE MCALLEN, TX 78504 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $845 | $106 | $951 | 1.44% |
| THOMAS SNYDER3 | 9385 MILLER LANE GARDEN RIDGE, TX 78266 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $331 | $412 | $743 | 1.12% |
| FROST INSURANCE AGENCY INC3 Filed as: FROST INSURANCE AGENCY | PO BOX 225749 DALLAS, TX 75222 | DEARBORN LIFE INSURANCE COMPANY | $5K | $0 | $5K | 10.63% |
| USI INSURANCE SERVICES LLC3 Filed as: USI SOUTHWEST INC. | 9811 KATY FREEWAY, SUITE 500 HOUSTON, TX 77024 | DEARBORN LIFE INSURANCE COMPANY | $1K | $0 | $1K | 2.80% |
| FROST INSURANCE AGENCY INC3 Filed as: FROST INSURANCE AGENCY, INC. | PO BOX 225749 DALLAS, TX 75222 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $3K | $0 | $3K | 10.63% |
| TIMOTHY J REED3 Filed as: TIMOTHY COBB | 116 SPINEL LANE KNIGHTGALE, NC 27545 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $790 | $1K | $2K | 7.57% |
| TROY J PALMER3 Filed as: TROY J. PALMER | 15534 CLOVER RIDGE SAN ANTONIO, TX 78248 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $999 | $305 | $1K | 5.33% |
| KELLY MELISSA RUSHING3 | 725 RIVER BLUFF DRIVE LYTLE, TX 78052 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $472 | $78 | $550 | 2.25% |
| THOMAS SNYDER3 | 9385 MILLER LANE GARDEN RIDGE, TX 78266 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $145 | $195 | $340 | 1.39% |
| JORGE ALEJANDRO MONTEMAYOR3 | 10702 NORTH 23RD LANE MCALLEN, TX 78504 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $258 | $30 | $288 | 1.18% |
| MJ INSURANCE3 Filed as: SHELLY L. LISKA AND VARIOUS AGENTS | 215 LIBERTY LANE PLEASANTON, TX 78064 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $258 | $12 | $270 | 1.10% |
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 | 170 | 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) | 170 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUECROSS BLUESHIELD OF TEXAS | 401 | $1.1M |
| Dental | BLUECROSS BLUESHIELD OF TEXAS | 401 | $1.1M |
| Vision | DEARBORN LIFE INSURANCE COMPANY | 312 | $48K |
| Life insurance(4 contracts, 2 carriers) | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 312 | $217K |
| Short-term disability(3 contracts) | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 76 | $169K |
| Prescription drug | BLUECROSS BLUESHIELD OF TEXAS | 401 | $1.1M |
| Other(4 contracts, 2 carriers) | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 312 | $217K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 401 | — |
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.