| 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 | $7K | $63K | 4.60% |
| FROST INSURANCE AGENCY INC3 | PO BOX 2411 SAN ANTONIO, TX 78298 | SUN LIFE ASSURANCE COMPANY OF CANADA | $42K | $180 | $42K | 15.06% |
| FROST INSURANCE AGENCY INC3 | PO BOX 2411 SAN ANTONIO, TX 78298 | BLUECROSS BLUESHEILD OF TEXAS | $13K | — | $13K | 10.01% |
| FROST INSURANCE AGENCY INC3 | PO BOX 225749 SAN ANTONIO, TX 75222 | BLUECROSS BLUESHEILD OF TEXAS | $3K | — | $3K | 10.08% |
| FROST INSURANCE AGENCY INC3 | PO BOX 2411 SAN ANTONIO, TX 78298 | SUN LIFE ASSURANCE COMPANY OF CANADA | $4K | — | $4K | 15.29% |
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 | 388 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 388 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUECROSS BLUESHEILD OF TEXAS | 323 | $1.4M |
| Dental | BLUECROSS BLUESHEILD OF TEXAS | 388 | $132K |
| Vision | BLUECROSS BLUESHEILD OF TEXAS | 175 | $33K |
| Life insurance | SUN LIFE ASSURANCE COMPANY OF CANADA | 274 | $280K |
| Short-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 187 | $27K |
| Long-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 274 | $280K |
| Prescription drug | BLUECROSS BLUESHEILD OF TEXAS | 323 | $1.4M |
| Stop-loss / reinsurancereinsurance | BLUECROSS BLUESHEILD OF TEXAS | 323 | $1.4M |
| Other | SUN LIFE ASSURANCE COMPANY OF CANADA | 274 | $280K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 388 | — |
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.
Multiple-employer welfare arrangement. Specific regulatory and compliance context; specific consultant niche.