| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| FROST INSURANCE AGENCY INC3 | — | BLUECROSS BLUESHIELD OF TEXAS | $88K | $2K | $89K | 4.03% |
| JOSHUA PAUL GROUP INC3 Filed as: JOSHUA NICOLAS JEFFRIES | — | BLUECROSS BLUESHIELD OF TEXAS | $16K | — | $16K | 0.72% |
| CANALICHIO INSURANCE GROUP, LLC3 | 1067 FM 306 SUITE 305 NEW BRAUNFELS, TX 78130 | TRANSAMERICA | $24K | — | $24K | 25.40% |
| FROST INSURANCE AGENCY INC3 Filed as: FROST INSURNACE AGENCY, INC. | 401 CONGRESS AVENUE SUITE 1400 AUSTIN, TX 78701 | TRANSAMERICA | $16K | — | $16K | 16.59% |
| JOHN D BODKER3 | 9014 CALLAGHAN ROAD SAN ANTONIO, TX 78230 | TRANSAMERICA | $153 | — | $153 | 0.16% |
| FROST INSURANCE AGENCY INC3 Filed as: FROST INSURANCE AGENCY | PO BOX 225749 DALLAS, TX 75222 | DEARBORN NATIONAL LIFE INSURANCE COMPANY | $4K | — | $4K | 11.52% |
| RSC INSURANCE BROKERAGE INC3 Filed as: RSC INSURANCE BROKERAGE, INC | 160 FEDERAL STREET FLOOR 4 BOSTON, MA 02110 | DEARBORN NATIONAL LIFE INSURANCE COMPANY | $1K | — | $1K | 3.41% |
| FROST INSURANCE AGENCY INC3 Filed as: FROST INSURANCE | PO BOX 2411 SAN ANTONIO, TX 78298 | VISION SERVICE PLAN | $1K | — | $1K | 4.11% |
| RSC INSURANCE BROKERAGE INC3 Filed as: RSC INSURANCE BROKERAGE, INC. | 160 FEDERAL STREET FLOOR 2 BOSTON, MA 02110 | VISION SERVICE PLAN | $201 | — | $201 | 0.73% |
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 | 202 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 204 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUECROSS BLUESHIELD OF TEXAS | 325 | $2.2M |
| Dental | BLUECROSS BLUESHIELD OF TEXAS | 325 | $2.2M |
| Vision | VISION SERVICE PLAN | 162 | $28K |
| Life insurance(2 contracts, 2 carriers) | TRANSAMERICA | 111 | $129K |
| Other(2 contracts, 2 carriers) | TRANSAMERICA | 111 | $129K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 325 | — |
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.