| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| FROST INSURANCE AGENCY INC3 Filed as: FROST INSURANCE AGENCY | PO BOX 2625 VICTORIA, TX 77902 | AETNA | $16K | — | $16K | 0.76% |
| FROST INSURANCE AGENCY INC3 | PO BOX 225749 DALLAS, TX 75222 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $13K | $2K | $14K | 9.91% |
| KELLY MELISSA KRISCH3 | 725 RIVER BLUFF DRIVE LYTLE, TX 78052 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $4K | $997 | $5K | 3.18% |
| TROY J PALMER3 | 15534 CLOVER RDG SAN ANTONIO, TX 78248 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2K | $379 | $2K | 1.61% |
| BRIAN WHITE3 Filed as: BRIAN R MADTES | 1308 JAMES COOK WINDCREST, TX 78239 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1K | $312 | $1K | 1.01% |
| HORIZON BENEFITS LLC3 Filed as: HORIZON BENEFITS | 9385 MILLER LANE GARDEN RIDGE, TX 78266 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $696 | $596 | $1K | 0.90% |
| TAMMY SUE FOWLER3 | 5513 FOX RUN DR CORPUS CHRISTI, TX 78413 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $949 | $68 | $1K | 0.71% |
| LISA M MITCHELL3 | 30251 NORMAN ROAD RIO HONDO, TX 78583 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $645 | $36 | $681 | 0.47% |
| JOHN D BODKER3 Filed as: JOHN DAVID BOOKER | 11230 WEST AVE SAN ANTONIO, TX 78213 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $51 | $283 | $334 | 0.23% |
| LORI LYNN PIERCE3 | 5909 CINNAMON OAKS DR CORPUS CHRISTI, TX 78414 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $121 | $25 | $146 | 0.10% |
| TIMOTHY J REED3 Filed as: TIMOTHY COBB | 116 SPINEL LN KNIGHTGALE, NC 27545 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $82 | — | $82 | 0.06% |
| STALTARE BENEFITS INC3 | 700 E ATLANTIC BLVD POMPANO BEACH, FL 33060 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $5 | $5 | $10 | 0.01% |
| LYNN MARIE BARRY3 | 301 W PARK AVE LANGHORNE, PA 19047 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $5 | $2 | $7 | 0.00% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| FROST INSURANCE AGENCY INC EIN 75-2760731 INSURANCE BROKER | Insurance agents and brokers Service code 22 | PO BOX 2625 VICTORIA, TX 77902 | $95K |
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 | 350 | 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) | 350 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | AETNA | 350 | $2.1M |
| Dental | AETNA | 350 | $2.1M |
| Vision | AETNA | 350 | $2.1M |
| Life insurance(2 contracts, 2 carriers) | AETNA | 350 | $2.3M |
| Long-term disability | AETNA | 350 | $2.1M |
| Other(2 contracts, 2 carriers) | AETNA | 350 | $2.3M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 350 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.