| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| FROST INSURANCE AGENCY INC3 | PO BOX 2625 VICTORIA, TX 77902 | AETNA LIFE INSURANCE COMPANY | $24K | $188K | $212K | 5.95% |
| ASSUREDPARTNERS3 Filed as: ASSUREDPARTNERS OF HOUSTON | 18050 SATURN LANE HOUSTON, TX 77058 | AETNA LIFE INSURANCE COMPANY | $22K | $0 | $22K | 0.63% |
| FROST INSURANCE AGENCY INC3 | 3611 PAESANOS PARKWAY, SUITE 100 SAN ANTONIO, TX 78231 | AETNA LIFE INSURANCE COMPANY | $10K | $0 | $10K | 0.27% |
| FROST INSURANCE AGENCY INC3 | 111 WEST HOUSTON STREET SAN ANTONIO, TX 78205 | HARTFORD LIFE AND ACCIDENT | $11K | $0 | $11K | 10.87% |
| ASSUREDPARTNERS3 Filed as: ASSUREDPARTNERS OF HOUSTON | 6200 SAVOY DRIVE, SUITE 345 HOUSTON, TX 77036 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $22K | $0 | $22K | 41.99% |
| FROST INSURANCE AGENCY INC3 | PO BOX 1315 HOUSTON, TX 77251 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $9K | $0 | $9K | 17.99% |
| FROST INSURANCE AGENCY INC3 | PO BOX 225749 DALLAS, TX 75222 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $350 | $0 | $350 | 3.36% |
| SHELLY L. LISKA3 | 215 LIBERTY LANE PLEASANTON, TX 78064 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $219 | $0 | $219 | 2.10% |
| KELLY MELISSA RUSHING3 | 725 RIVER BLUFF DRIVE LYTLE, TX 78052 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $127 | $0 | $127 | 1.22% |
| MJ INSURANCE3 Filed as: HORIZON BENEFITS AND VARIOUS AGENTS | 9385 MILLER LANE GARDEN RIDGE, TX 78266 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $123 | $0 | $123 | 1.18% |
| TROY J PALMER3 Filed as: TROY J. PALMER | 15534 CLOVER RIDGE SAN ANTONIO, TX 78248 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $53 | $0 | $53 | 0.51% |
| THOMAS SNYDER3 | 9385 MILLER LANE GARDEN RIDGE, TX 78266 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $51 | $0 | $51 | 0.49% |
| GALE SIMPSON3 | 1830 CONNIE DRIVE CANYON LAKE, TX 78133 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $42 | $0 | $42 | 0.40% |
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 | 392 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 8 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 15 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 415 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | AETNA LIFE INSURANCE COMPANY | 621 | $3.6M |
| Dental | AETNA LIFE INSURANCE COMPANY | 621 | $3.6M |
| Vision | AETNA LIFE INSURANCE COMPANY | 621 | $3.6M |
| Life insurance(2 contracts, 2 carriers) | HARTFORD LIFE AND ACCIDENT | 537 | $114K |
| Short-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 121 | $51K |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 537 | $104K |
| Prescription drug | AETNA LIFE INSURANCE COMPANY | 621 | $3.6M |
| Other(4 contracts, 4 carriers) | AETNA LIFE INSURANCE COMPANY | 621 | $3.7M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 621 | — |
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.