| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| FROST INSURANCE AGENCY INC3 | PO BOX 2411 SAN ANTONIO, TX 78298 | BLUECROSS BLUESHEILD OF TEXAS | $56K | — | $56K | 4.89% |
| FROST INSURANCE AGENCY INC3 | PO BOX 2411 SAN ANTONIO, TX 78298 | SUN LIFE ASSURANCE COMPANY OF CANADA | $34K | — | $34K | 15.00% |
| FROST INSURANCE AGENCY INC3 | PO BOX 2411 SAN ANTONIO, TX 78298 | BLUECROSS BLUESHEILD OF TEXAS | $13K | — | $13K | 9.79% |
| FROST INSURANCE AGENCY INC3 | PO BOX 2411 SAN ANTONIO, TX 78298 | SUN LIFE ASSURANCE COMPANY OF CANADA | $6K | — | $6K | 11.39% |
| FROST INSURANCE AGENCY INC3 | PO BOX 2411 SAN ANTONIO, TX 78298 | SUN LIFE ASSURANCE COMPANY OF CANADA | $5K | — | $5K | 15.00% |
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 | 426 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 426 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUECROSS BLUESHEILD OF TEXAS | 346 | $1.1M |
| Dental | BLUECROSS BLUESHEILD OF TEXAS | 426 | $133K |
| Vision | SUN LIFE ASSURANCE COMPANY OF CANADA | 204 | $49K |
| Life insurance(2 contracts) | SUN LIFE ASSURANCE COMPANY OF CANADA | 244 | $258K |
| Short-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 204 | $49K |
| Long-term disability(2 contracts) | SUN LIFE ASSURANCE COMPANY OF CANADA | 244 | $258K |
| Prescription drug | BLUECROSS BLUESHEILD OF TEXAS | 346 | $1.1M |
| Stop-loss / reinsurancereinsurance | BLUECROSS BLUESHEILD OF TEXAS | 346 | $1.1M |
| Other(2 contracts) | SUN LIFE ASSURANCE COMPANY OF CANADA | 244 | $258K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 426 | — |
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.
Multiple-employer welfare arrangement. Specific regulatory and compliance context; specific consultant niche.