| 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 | $56K | $11K | $67K | 6.80% |
| ERIC NOTHNAGEL3 | 2900 BROWNTOP COURT LEANDER, TX 78641 | AFLAC | $8K | $35 | $8K | 14.53% |
| TONYA LYNNE WYNES3 Filed as: TONYA WYNES | 6017 SCENIC LAKE DRIVE GEORGETOWN, TX 78626 | AFLAC | $562 | $8 | $570 | 1.09% |
| JEROME JEFFREY PESEK3 Filed as: JEROME PESEK | 12566 MESA VERDE DR AUSTIN, TX 78737 | AFLAC | $378 | $0 | $378 | 0.72% |
| MJ INSURANCE3 Filed as: JAIME VILLASANA AND VARIOUS AGENTS | 101 SHELF ROCK ROAD GEORGETOWN, TX 78628 | AFLAC | $350 | $0 | $350 | 0.67% |
| LAXSON BENEFITS LLC3 | 1380 HAZY HILLS LOOP DRIPPING SPRINGS, TX 78620 | AFLAC | $170 | $0 | $170 | 0.32% |
| ERVIN EDWARD NOTHNAGEL3 Filed as: ERVIN NOTHNAGEL | 225 COUNTY ROAD 3525 PARADISE, TX 76073 | AFLAC | $143 | $0 | $143 | 0.27% |
| BRADLEY NALL3 | PO BOX 851 SALADO, TX 76571 | AFLAC | $55 | $0 | $55 | 0.10% |
| FROST INSURANCE AGENCY INC3 | 401 CONGRESS AVENUE, 14TH FLOOR AUSTIN, TX 78701 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $6K | $0 | $6K | 11.73% |
| FROST INSURANCE AGENCY INC3 Filed as: FROST INSURANCE AGENCY | PO BOX 22574 DALLAS, TX 75222 | DEARBORN LIFE INSURANCE COMPANY | $1K | $0 | $1K | 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 | 149 | 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) | 149 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUECROSS BLUESHIELD OF TEXAS | 207 | $989K |
| Dental | BLUECROSS BLUESHIELD OF TEXAS | 207 | $989K |
| Vision | DEARBORN LIFE INSURANCE COMPANY | 135 | $15K |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 149 | $50K |
| Short-term disability | AFLAC | 34 | $52K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 149 | $50K |
| Prescription drug | BLUECROSS BLUESHIELD OF TEXAS | 207 | $989K |
| Other(3 contracts, 3 carriers) | AFLAC | 149 | $108K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 207 | — |
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.