| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| FROST INSURANCE AGENCY INC3 | 401 CONGRESS AVENUE, SUITE 1400 AUSTIN, TX 78701 | METROPOLITAN LIFE INSURANCE COMPANY | $47K | $66 | $47K | 11.18% |
| PLANSOURCE BENEFITS ADMINISTRATION5 Filed as: PLANSOURCE BENEFITS ADMINISTRATION. | 101 SOUTH GARLAND AVENUE, SUITE 203 ORLANDO, FL 32801 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $14K | $14K | 3.33% |
| FROST INSURANCE AGENCY INC3 | PO BOX 2411 SAN ANTONIO, TX 78298 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $5K | $5K | 1.15% |
| PLANSOURCE BENEFITS ADMINISTRATION3 | 101 SOUTH GARLAND AVENUE, SUITE 203 ORLANDO, FL 32801 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $121 | $121 | 0.03% |
| FROST INSURANCE AGENCY INC3 | 111 WEST HOUSTON STREET SAN ANTONIO, TX 78205 | METLIFE LEGAL PLANS | $2K | $0 | $2K | 8.50% |
| PLANSOURCE BENEFITS ADMINISTRATION3 | PO BOX 1313 ORLANDO, FL 32802 | METLIFE LEGAL PLANS | $0 | $2K | $2K | 7.68% |
| FROST INSURANCE AGENCY INC3 | 401 CONGRESS AVENUE, SUITE 1400 AUSTIN, TX 78701 | METLIFE LEGAL PLANS | $0 | $585 | $585 | 2.42% |
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 | 771 | 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) | 771 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 1,811 | $418K |
| Vision | METROPOLITAN LIFE INSURANCE COMPANY | 1,811 | $418K |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 1,811 | $418K |
| Other(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 1,811 | $442K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,811 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.