| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| FROST INSURANCE AGENCY INC3 Filed as: FROST INS AGENCY INC | P O BOX 2411 SAN ANTONIO, TX 78298 | METROPOLITAN LIFE INSURANCE COMPANY | $26K | $6K | $32K | 10.35% |
| STOP LOSS INSURANCE SERVICES, INC.3 Filed as: STOP LOSS INSURANCE SERVICES INC | 2 GREENWAY PLAZA SUITE 400 HOUSTON, TX 77046 | THE UNION LABOR LIFE INSURANCE COMPANY | $10K | — | $10K | 4.50% |
| FROST INSURANCE AGENCY INC3 Filed as: FROST INS AGENCY INC | 3611 PAESANOS PARKWAY SAN ANTONIO, TX 78231 | AETNA LIFE INSURANCE COMPANY | $2K | — | $2K | 9.57% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| WEBTPA EMPLOYER SERVICES EIN 75-2611444 CONTRACT ADMINISTRATOR | Contract Administrator Service code 13 | 8500 FREEPORT STE 100 IRVING, TX 75063 | $73K |
| HEALTH BY DESIGN EIN 74-2194068 HEALTH SERVICES | Other services Service code 49 | 13409 GEORGE ROAD SAN ANTONIO, TX 78230 | $40K |
| AETNA SIGNATURE ADMIN EIN 06-6033492 UR, PPO FEES | Insurance services Service code 23 | P O BOX 14463 LEXINGTON, KY 40512 | $33K |
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 | 166 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 168 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | AETNA LIFE INSURANCE COMPANY | 3 | $21K |
| Dental(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 492 | $334K |
| Vision(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 492 | $334K |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 492 | $313K |
| Short-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 492 | $313K |
| Long-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 492 | $313K |
| Stop-loss / reinsurancereinsurance | THE UNION LABOR LIFE INSURANCE COMPANY | 167 | $216K |
| Other | METROPOLITAN LIFE INSURANCE COMPANY | 492 | $313K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 492 | — |
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.