| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| FROST INSURANCE AGENCY INC3 | 401 CONGRESS AVENUE, 14TH FLOOR AUSTIN, TX 78701 | BLUECROSS BLUESHIELD OF TEXAS | $60K | $0 | $60K | 5.81% |
| ERIC NOTHNAGEL3 | 1821 WESTINGHOUSE ROAD, SUITE 1190 GEORGETWON, TX 78626 | AFLAC | $9K | $23 | $9K | 15.90% |
| LAXSON BENEFITS LLC3 | 2028 EAST BEN WHITE BOULEVARD SUITE 235 AUSTIN, TX 78741 | AFLAC | $633 | $0 | $633 | 1.06% |
| JEROME JEFFREY PESEK3 Filed as: JEROME PESEK | 12566 MESA VERDE DRIVE AUSTIN, TX 78737 | AFLAC | $586 | $5 | $591 | 0.99% |
| MJ INSURANCE3 Filed as: JAMIE VILLASANA AND VARIOUS AGENTS | 101 SHELF ROCK ROAD GEORGETOWN, TX 78628 | AFLAC | $570 | $0 | $570 | 0.96% |
| ALFONSO SAENZ3 | 1313 APOLLO CIRCLE ROUND ROCK, TX 78664 | AFLAC | $533 | $0 | $533 | 0.89% |
| LEONARD STEVENSON3 | 2009 AUTUMN RUN LANE ROUND ROCK, TX 78665 | AFLAC | $125 | $0 | $125 | 0.21% |
| TONYA LYNNE WYNES3 Filed as: TONYA WYNES | 6017 SCENIC LAKE DRIVE GEORGETOWN, TX 78626 | AFLAC | $110 | $0 | $110 | 0.18% |
| FROST INSURANCE AGENCY INC3 | 401 CONGRESS AVENUE, 14TH FLOOR AUSTIN, TX 78701 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $5K | $0 | $5K | 10.73% |
| FROST INSURANCE AGENCY INC3 Filed as: FROST INSURANCE AGENCY | PO BOX 225749 DALLAS, TX 75222 | DEARBORN LIFE INSURANCE COMPANY | $2K | $0 | $2K | 9.99% |
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 | 155 | 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) | 155 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUECROSS BLUESHIELD OF TEXAS | 221 | $1.0M |
| Dental | BLUECROSS BLUESHIELD OF TEXAS | 221 | $1.0M |
| Vision | DEARBORN LIFE INSURANCE COMPANY | 149 | $16K |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 155 | $50K |
| Short-term disability | AFLAC | 50 | $60K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 155 | $50K |
| Prescription drug | BLUECROSS BLUESHIELD OF TEXAS | 221 | $1.0M |
| Other(3 contracts, 3 carriers) | AFLAC | 155 | $116K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 221 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
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.