| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| FROST INSURANCE AGENCY INC3 Filed as: FROST INSURANCE SERVICES | 3611 PAESANOS PKWY STE 100 SAN ANTONIO, TX 78231 | GERBER LIFE INSURANCE COMPANY | $44K | — | $44K | 15.00% |
| STOP LOSS INSURANCE SERVICES, INC.3 Filed as: STOP LOSS INSURANCE SERVICES INC. | 6575 W LOOP SOUTH SUITE 230 BELLAIRE, TX 77401 | GERBER LIFE INSURANCE COMPANY | $8K | — | $8K | 2.55% |
| FROST INSURANCE AGENCY INC3 | 3611 PAESANOS PKWY STE 100 SAN ANTONIO, TX 78231 | METROPOLITAN LIFE INSURANCE COMPANY | $21K | $4K | $25K | 19.58% |
| NFP INSURANCE SERVICES INC3 | 1250 S CAPITAL OF TEXAS HWY BLDG 2 STE 125 AUSTIN, TX 78746 | METROPOLITAN LIFE INSURANCE COMPANY | $2K | — | $2K | 1.22% |
| FROST INSURANCE AGENCY INC3 | 3611 PAESANOS PKWY STE 100 SAN ANTONIO, TX 78231 | AETNA LIFE INSURANCE COMPANY | $3K | — | $3K | 10.39% |
| FROST INSURANCE AGENCY INC3 Filed as: FROST INSURANCE AGENCY INC - AUSTIN | 3611 PAESANOS PKWY STE 100 SAN ANTONIO, TX 78231 | HUMANADENTAL INSURANCE COMPANY | $3K | — | $3K | 10.86% |
| FROST INSURANCE AGENCY INC3 Filed as: FROST INSURANCE AGENCY INC - AUSTIN | 401 CONGRESS AVE STE 1400 AUSTIN, TX 78701 | HUMANADENTAL INSURANCE COMPANY | — | $1K | $1K | 4.40% |
| FROST INSURANCE AGENCY INC3 | 3611 PAESANOS PKWY STE 100 SAN ANTONIO, TX 78231 | AETNA LIFE INSURANCE COMPANY | $3K | — | $3K | 15.00% |
| STOP LOSS INSURANCE SERVICES, INC.3 Filed as: STOP LOSS INSURANCE SERVICES INC. | 6575 W LOOP SOUTH BELLAIRE, TX 77401 | AETNA LIFE INSURANCE COMPANY | $588 | — | $588 | 2.54% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| WEBTPA EMPLOYER SERVICES EIN 75-2611444 CONTRACT ADMINISTRATOR | Other services; Contract Administrator Service code 13 | 8500 FREEPORT PKWY STE 400 IRVING, TX 75063 | $226K |
| AMWINS BENEFIT WATCH EIN 05-0466476 CLAIM REVIEW SERVICES | Other services Service code 49 | 4725 PIEDMONT ROW DRIVE SUITE 600 CHARLOTEE, NC 28210 | $132K |
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 | 213 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 213 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 2 carriers) | GERBER LIFE INSURANCE COMPANY | 214 | $347K |
| Dental | AETNA LIFE INSURANCE COMPANY | 4 | $29K |
| Vision(2 contracts, 2 carriers) | AETNA LIFE INSURANCE COMPANY | 159 | $53K |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 362 | $128K |
| Short-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 362 | $128K |
| Long-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 362 | $128K |
| Prescription drug(2 contracts, 2 carriers) | GERBER LIFE INSURANCE COMPANY | 214 | $318K |
| Stop-loss / reinsurancereinsurance(2 contracts, 2 carriers) | GERBER LIFE INSURANCE COMPANY | 214 | $318K |
| Other(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 362 | $168K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 362 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.