| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| FROST INSURANCE AGENCY INC3 Filed as: FROST INSURANCE AGENCY, INC. | PO BOX 2625 VICTORIA, TX 77902 | AETNA LIFE INSURANCE COMPANY | $25K | $158K | $183K | 5.63% |
| FROST INSURANCE AGENCY INC3 Filed as: FROST INSURANCE AGENCY, INC. | PO BOX 225749 DALLAS, TX 75222 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $13K | $0 | $13K | 7.96% |
| SHELLY L. LISKA3 | 215 LIBERTY LANE PLEASANTON, TX 78064 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $7K | $391 | $7K | 4.52% |
| KELLY MELISSA RUSHING3 | 725 RIVER BLUFF DRIVE LYTLE, TX 78052 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $4K | $717 | $5K | 2.88% |
| GALE SIMPSON3 | 1830 CONNIE DRIVE CANYON LAKE, TX 78133 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $4K | $117 | $4K | 2.32% |
| SA GENERAL AGENCY AND OTHER AGENTS3 | 9385 MILLER LANE GARDEN RIDGE, TX 78266 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $3K | $568 | $3K | 2.06% |
| TROY J PALMER3 Filed as: TROY J. PALMER | 15534 CLOVER RIDGE SAN ANTONIO, TX 78248 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $3K | $464 | $3K | 2.04% |
| JOHN DAVID BODKER3 | 4402 VANCE JACKSON ROAD SAN ANTONIO, TX 78230 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $2K | $562 | $2K | 1.34% |
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 | 351 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 353 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | AETNA LIFE INSURANCE COMPANY | 554 | $3.3M |
| Dental | AETNA LIFE INSURANCE COMPANY | 554 | $3.3M |
| Vision | AETNA LIFE INSURANCE COMPANY | 554 | $3.3M |
| Life insurance | AETNA LIFE INSURANCE COMPANY | 554 | $3.3M |
| Short-term disability | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | 127 | $160K |
| Long-term disability | AETNA LIFE INSURANCE COMPANY | 554 | $3.3M |
| Prescription drug | AETNA LIFE INSURANCE COMPANY | 554 | $3.3M |
| Other(2 contracts, 2 carriers) | AETNA LIFE INSURANCE COMPANY | 554 | $3.4M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 554 | — |
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.