| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ALLIED NATIONAL, INC.3 | PO BOX 29187 SHAWNEE MISSION, KS 66207 | ALLIED NATIONAL | $84K | — | $84K | 34.67% |
| FROST INSURANCE AGENCY INC3 | 3611 PAESANOS PARKWAY SUITE 100 SAN ANTONIO, TX 78231 | ALLIED NATIONAL | $37K | — | $37K | 15.22% |
| GLOBALCARE3 | 6875 SHILOH ROAD EAST ALPHARETTA, GA 30005 | ALLIED NATIONAL | $13K | — | $13K | 5.51% |
| FROST INSURANCE AGENCY INC3 Filed as: FROST INSURANCE AGENCY INC. | 3611 PAESANOS PARKWAY SUITE 100 SAN ANTONIO, TX 78231 | METROPOLITAN LIFE INSURANCE COMPANY | $6K | $4K | $10K | 12.35% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP INSURANCE SERVICES INC. | 1250 SOUTH CAPITAL OF TEXAS HIGHWAY BUILDING 2, SUITE 125 AUSTIN, TX 78746 | METROPOLITAN LIFE INSURANCE COMPANY | — | $12 | $12 | 0.01% |
| CANALICHIO INSURANCE GROUP, LLC3 | 18315 BRACKEN DRIVE SUITE 1 GARDEN RIDGE, TX 78266 | TRANSAMERICA | $3K | — | $3K | 14.78% |
| FROST INSURANCE AGENCY INC3 Filed as: FROST INSURNACE AGENCY, INC. | 401 CONGRESS AVENUE SUITE 1400 AUSTIN, TX 78701 | TRANSAMERICA | $2K | — | $2K | 11.44% |
| JOHN D BODKER3 | 9014 CALLAGHAN ROAD SAN ANTONIO, TX 78230 | TRANSAMERICA | $588 | — | $588 | 3.35% |
| FROST INSURANCE AGENCY INC3 Filed as: FROST INSURANCE | 3611 PAESANOS PARKWAY SUITE 100 SAN ANTONIO, TX 78231 | VISION SERVICE PLAN | $978 | — | $978 | 5.96% |
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 | 98 | 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) | 98 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 289 | $85K |
| Vision | VISION SERVICE PLAN | 105 | $16K |
| Life insurance(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 289 | $102K |
| Stop-loss / reinsurancereinsurance | ALLIED NATIONAL | 98 | $243K |
| Other(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 289 | $102K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 289 | — |
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.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.