| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| FROST INSURANCE AGENCY INC3 Filed as: FROST INSURANCE AGENCY, INC. | PO BOX 225749 DALLAS, TX 75222 | BLUECROSS BLUESHIELD OF TEXAS | $65K | $1K | $66K | 6.35% |
| FROST INSURANCE AGENCY INC3 Filed as: FROST INSURANCE AGENCY | PO BOX 225749 DALLAS, TX 75222 | DEARBORN LIFE INSURANCE COMPANY | $10K | $3K | $14K | 18.42% |
| ERIC NOTHNAGEL3 | 2900 BROWNTOP COURT LEANDER, TX 78641 | AFLAC | $7K | $208 | $8K | 16.06% |
| TONYA LYNNE WYNES3 Filed as: TONYA WYNES | 6017 SCENIC LAKE DRIVE GEORGETOWN, TX 78626 | AFLAC | $631 | $44 | $675 | 1.44% |
| EDWARD CISNEROS3 | 103 EAST LIVE OAK STREET BURNET, TX 78611 | AFLAC | $410 | $0 | $410 | 0.88% |
| JEROME JEFFREY PESEK3 Filed as: JEROME PESEK | 12566 MESA VERDE DRIVE AUSTIN, TX 78737 | AFLAC | $281 | $0 | $281 | 0.60% |
| BRADLEY NALL3 Filed as: BRADLEY NALL & OTHERS | PO BOX 851 SALADO, TX 76571 | AFLAC | $194 | $10 | $204 | 0.44% |
| TERRY LAXSON3 | 1380 HAZY HILLS LOOP DRIPPING SPRINGS, TX 78620 | AFLAC | $118 | $0 | $118 | 0.25% |
| JAIME I VILLASANA3 Filed as: JAIME VILLASANA | 101 SHELF ROCK ROAD GEORGETOWN, TX 78628 | AFLAC | $64 | $0 | $64 | 0.14% |
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 | 171 | 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) | 173 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUECROSS BLUESHIELD OF TEXAS | 199 | $1.0M |
| Dental | BLUECROSS BLUESHIELD OF TEXAS | 199 | $1.0M |
| Vision | DEARBORN LIFE INSURANCE COMPANY | 171 | $75K |
| Life insurance | DEARBORN LIFE INSURANCE COMPANY | 171 | $75K |
| Short-term disability | AFLAC | 38 | $47K |
| Long-term disability | DEARBORN LIFE INSURANCE COMPANY | 171 | $75K |
| Prescription drug | BLUECROSS BLUESHIELD OF TEXAS | 199 | $1.0M |
| Other(3 contracts, 3 carriers) | DEARBORN LIFE INSURANCE COMPANY | 171 | $127K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 199 | — |
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.