| 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 | GREAT MIDWEST INSURANCE COMPANY | $61K | — | $61K | 23.15% |
| FROST INSURANCE AGENCY INC3 Filed as: FROST INS AGENCY INC | 3611 PAESANOS PKWY STE 100 SAN ANTONIO, TX 78231 | METROPOLITAN LIFE INSURANCE COMPANY | $12K | $5K | $17K | 14.23% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP INS SERVICES INC | 1250 S CAPITAL OF TEXAS HWY AUSTIN, TX 78746 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $12 | $12 | 0.01% |
| FROST INSURANCE AGENCY INC | 3611 PAESANOS PKWY STE 100 SAN ANTONIO, TX 78231 | COMPBENEFITS | $5K | — | $5K | 8.61% |
| FROST INSURANCE AGENCY INC3 | 3611 PAESANOS PKWY STE 100 SAN ANTONIO, TX 78231 | AETNA LIFE INSURANCE COMPANY | $3K | — | $3K | 10.39% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| WEBTPA EMPLOYER SERVICES EIN 75-2611444 CONTRACT ADMINISTRATOR | Contract Administrator Service code 13 | 8500 FREEPORT PKWY STE 400 IRVING, TX 75063 | $49K |
| AMWINS BENEFIT WATCH EIN 05-0466476 CLAIM REVIEW SERVICES | Other services Service code 49 | 4725 PIEDMONT ROW DRIVE SUITE 600 CHARLOTTE, NC 28210 | $9K |
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 | 176 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 176 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | GREAT MIDWEST INSURANCE COMPANY | 176 | $293K |
| Dental | AETNA LIFE INSURANCE COMPANY | 4 | $29K |
| Vision(2 contracts, 2 carriers) | COMPBENEFITS | 170 | $90K |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 309 | $119K |
| Short-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 309 | $119K |
| Long-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 309 | $119K |
| Prescription drug | GREAT MIDWEST INSURANCE COMPANY | 176 | $265K |
| Stop-loss / reinsurancereinsurance | GREAT MIDWEST INSURANCE COMPANY | 176 | $265K |
| Other | AETNA SIGNATURE ADMINISTRATORS | 176 | $26K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 309 | — |
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.