| 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 | $27K | — | $27K | 0.56% |
| ACCRETIVE ENROLLMENT SERVICES LLC3 Filed as: ACCRETIVE ENROLLMENT SERVICES, LLC | 13750 SAN PEDRO AVENUE, SUITE 550 SAN ANTONIO, TX 78232 | AETNA LIFE INSURANCE COMPANY | $6K | — | $6K | 0.13% |
| FROST INSURANCE AGENCY INC3 Filed as: FROST INSURANCE AGENCY, INC. | 3611 PAESANOS PARKWAY, SUITE 100 SAN ANTONIO, TX 78231 | AETNA LIFE INSURANCE COMPANY | $5K | — | $5K | 0.10% |
| BCI INSURANCE SOLUTIONS, INC.3 | 800 GESSNER ROAD, SUITE 300 HOUSTON, TX 77024 | AETNA LIFE INSURANCE COMPANY | $1K | — | $1K | 0.03% |
| FROST INSURANCE AGENCY INC3 Filed as: FROST INSURANCE AGENCY, INC. | 111 WEST HOUSTON STREET SAN ANTONIO, TX 78205 | HARTFORD LIFE AND ACCIDENT | $11K | $0 | $11K | 10.00% |
| FROST INSURANCE AGENCY INC3 Filed as: FROST INSURANCE AGENCY, INC. | PO BOX 1315 HOUSTON, TX 77251 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $12K | $0 | $12K | 15.03% |
| FROST INSURANCE AGENCY INC3 Filed as: FROST INSURANCE AGENCY, INC. | PO BOX 225749 DALLAS, TX 75222 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $128 | $0 | $128 | 1.92% |
| SHELLY L. LISKA3 | 215 LIBERTY LANE PLEASANTON, TX 78064 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $76 | $0 | $76 | 1.14% |
| HORIZON BENEFITS, LLC & OTHERS3 | 1150 NORTH LOOP 1604 WEST SAN ANTONIO, TX 78258 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $54 | $0 | $54 | 0.81% |
| KELLY MELISSA RUSHING3 | 725 RIVER BLUFF DRIVE LYTLE, TX 78052 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $46 | $0 | $46 | 0.69% |
| TROY J PALMER3 Filed as: TROY J. PALMER | 15534 CLOVER RIDGE SAN ANTONIO, TX 78248 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $27 | $0 | $27 | 0.41% |
| THOMAS SNYDER3 | 10539 DEDEKE DRIVE NEW BRAUNFELS, TX 78132 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $19 | $0 | $19 | 0.29% |
| GALE SIMPSON3 | 69 CARPIN CIRCLE PAGOSA SPRINGS, CO 81147 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $14 | $0 | $14 | 0.21% |
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 | 384 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 3 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 20 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 407 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | AETNA LIFE INSURANCE COMPANY | 576 | $4.8M |
| Dental | AETNA LIFE INSURANCE COMPANY | 576 | $4.8M |
| Vision | AETNA LIFE INSURANCE COMPANY | 576 | $4.8M |
| Life insurance(2 contracts, 2 carriers) | HARTFORD LIFE AND ACCIDENT | 504 | $118K |
| Short-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 103 | $83K |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 504 | $111K |
| Prescription drug | AETNA LIFE INSURANCE COMPANY | 576 | $4.8M |
| Other(4 contracts, 4 carriers) | AETNA LIFE INSURANCE COMPANY | 576 | $5.0M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 576 | — |
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."
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.