| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| FROST INSURANCE AGENCY INC3 | 401 CONGRESS AVENUE, SUITE 1400 AUSTIN, TX 78701 | UNITEDHEALTHCARE INSURANCE COMPANY | $37K | $0 | $37K | 4.49% |
| DALLAS INSURANCE EXCHANGE II INC3 Filed as: DALLAS INSURANCE EXCHANGE | 15660 DALLAS PARKWAY, SUITE 500 DALLAS, TX 75248 | UNITEDHEALTHCARE INSURANCE COMPANY | $16K | $1K | $17K | 2.09% |
| FROST INSURANCE AGENCY INC3 | 401 CONGRESS AVENUE, SUITE 1400 AUSTIN, TX 78701 | METROPOLITAN LIFE INSURANCE COMPANY | $10K | $22 | $10K | 9.12% |
| FROST INSURANCE AGENCY INC3 | PO BOX 2411 SAN ANTONIO, TX 78298 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $934 | $934 | 0.87% |
| ERIC NOTHNAGEL3 | 1821 WESTINGHOUSE ROAD, SUITE 1190 GEORGETOWN, TX 78626 | AFLAC | $11K | $619 | $11K | 18.76% |
| JOSEPH WILLIAM ARD3 | 5707 GRAPHITE DRIVE KILLEEN, TX 76542 | AFLAC | $3K | $342 | $3K | 4.90% |
| JEROME JEFFREY PESEK3 | 12566 MESA VERDE DRIVE AUSTIN, TX 78737 | AFLAC | $2K | $105 | $2K | 3.04% |
| JOSEPH FOX3 | 15511 EMMALEIGHS LANE PFLUGERVILLE, TX 78660 | AFLAC | $626 | $35 | $661 | 1.10% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: ADAM BROWN AND VARIOUS AGENTS | 5700 GLEN MEADOW, UNIT A AUSTIN, TX 78745 | AFLAC | $150 | $2 | $152 | 0.25% |
| JAIME I VILLASANA3 Filed as: JAIME I. VILLASANA | 101 SHELF ROCK ROAD GEORGETOWN, TX 78628 | AFLAC | $60 | $0 | $60 | 0.10% |
| STEPHANIE S. HOBBS3 | 2500 DIOR DRIVE CEDAR PARK, TX 78613 | AFLAC | $58 | $0 | $58 | 0.10% |
| FROST INSURANCE AGENCY INC3 | 401 CONGRESS AVENUE, 14TH FLOOR AUSTIN, TX 78701 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $4K | $1K | $5K | 15.86% |
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 | 156 | 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) | 156 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 208 | $825K |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 276 | $108K |
| Vision | METROPOLITAN LIFE INSURANCE COMPANY | 276 | $108K |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 156 | $32K |
| Short-term disability | AFLAC | 57 | $60K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 156 | $32K |
| Prescription drug | UNITEDHEALTHCARE INSURANCE COMPANY | 208 | $825K |
| Other(3 contracts, 3 carriers) | AFLAC | 156 | $98K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 276 | — |
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.