| 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 | BERKSHIRE HATHAWAY SPECIALTY INSURANCE COMPANY | $43K | — | $43K | 13.27% |
| STOP LOSS INSURANCE SERVICES, INC.3 Filed as: STOP LOSS INSURANCE SERVICES | 6575 WEST LOOP S STE 230 BELLAIRE, TX 77401 | BERKSHIRE HATHAWAY SPECIALTY INSURANCE COMPANY | $12K | — | $12K | 3.76% |
| FROST INSURANCE AGENCY INC3 Filed as: FROST INS AGENCY INC | 3611 PAESANOS PKWY STE 100 SAN ANTONIO, TX 78231 | METROPOLITAN LIFE INSURANCE COMPANY | $13K | $254 | $13K | 10.62% |
| FROST INSURANCE AGENCY INC3 Filed as: FROST INS AGENCY-SAN ANTONIO | 3611 PAESANOS PKWY STE 100 SAN ANTONIO, TX 78231 | HUMANA INSURANCE COMPANY | $8K | — | $8K | 10.28% |
| FROST INSURANCE AGENCY INC3 Filed as: FROST INS AGY INC-AUSTIN | 401 CONGRESS AVE STE 1400 AUSTIN, TX 78701 | HUMANA INSURANCE COMPANY | $1K | — | $1K | 1.52% |
| FROST INSURANCE AGENCY INC3 Filed as: FROST INS AGY INC SAN ANTONIO | 3611 PAESANOS PKWY SAN ANTONIO, TX 78231 | DENTICARE INC | $3K | — | $3K | 10.00% |
| 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 | $77K |
| HEALTH BY DESIGN EIN 74-2194068 HEALTH SERVICES | Other services Service code 49 | 13409 GEORGE ROAD SAN ANTONIO, TX 78230 | $41K |
| CHERYL MORRIS EIN 31-3465749 HEALTH SERVICES | Other services Service code 49 | 8500 FREEPORT PKWY STE 400 IRVING, TX 75063 | $13K |
| COMMUNITAS INC EIN 75-2493178 CARE MANAGEMENT SERVICES | Other services Service code 49 | 8500 FREEPORT PARKWAY SOUTH STE 210 IRVING, TX 75063 | $10K |
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 | 221 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 221 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | BERKSHIRE HATHAWAY SPECIALTY INSURANCE COMPANY | 221 | $339K |
| Dental(3 contracts, 3 carriers) | HUMANA INSURANCE COMPANY | 180 | $124K |
| Vision(2 contracts, 2 carriers) | HUMANA INSURANCE COMPANY | 180 | $90K |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 347 | $126K |
| Short-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 347 | $126K |
| Long-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 347 | $126K |
| Prescription drug | BERKSHIRE HATHAWAY SPECIALTY INSURANCE COMPANY | 221 | $323K |
| Stop-loss / reinsurancereinsurance | BERKSHIRE HATHAWAY SPECIALTY INSURANCE COMPANY | 221 | $323K |
| Other(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 347 | $160K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 347 | — |
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.