| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| INSURANCE & BONDS AGENCY OF TEXAS3 | 10101 REUNION PLACE SUITE 100 SAN ANTONIO, TX 78216 | BLUECROSS BLUESHIELD OF TEXAS | $25K | $7 | $25K | 2.75% |
| FROST INSURANCE AGENCY INC3 Filed as: FROST INSURANCE AGENCY, INC | — | BLUECROSS BLUESHIELD OF TEXAS | $8K | — | $8K | 0.90% |
| HIGGINBOTHAM INS AGENCY INC3 Filed as: HIGGINBOTHAM INSURANCE AGENCY, INC. | — | BLUECROSS BLUESHIELD OF TEXAS | — | $2K | $2K | 0.24% |
| ACRISURE LLC3 Filed as: ACRISCURE, LLC | — | BLUECROSS BLUESHIELD OF TEXAS | $69 | $7 | $76 | 0.01% |
| YANTIS COMPANY3 | — | BLUECROSS BLUESHIELD OF TEXAS | — | $11 | $11 | 0.00% |
| LORI LAINE3 Filed as: LORI GREEN | — | BLUECROSS BLUESHIELD OF TEXAS | — | $7 | $7 | 0.00% |
| ACRISURE LLC3 Filed as: ACRISURE, LLC | 10101 REUNION PLACE SUITE 100 SAN ANTONIO, TX 78216 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $4K | — | $4K | 12.36% |
| FROST INSURANCE AGENCY INC3 | 3611 PAESANOS PARKWAY SUITE 100 SAN ANTONIO, TX 78231 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $857 | $43 | $900 | 2.77% |
| ACRISURE LLC3 | 10101 REUNION PLACE SUITE 100 SAN ANTONIO, TX 78216 | AMERITAS LIFE INSURANCE CORPORATION | $1K | — | $1K | 4.21% |
| INSURANCE & BONDS AGENCY OF TEXAS3 | 10101 REUNION PLACE SUITE 100 SAN ANTONIO, TX 78216 | AMERITAS LIFE INSURANCE CORPORATION | $250 | — | $250 | 0.79% |
| HIGGINBOTHAM INS AGENCY INC3 Filed as: HIGGINBOTHAM INSURANCE AGENCY INC | PO BOX 908 FORT WORTH, TX 76101 | AMERITAS LIFE INSURANCE CORPORATION | — | $220 | $220 | 0.70% |
| ACRISURE LLC3 Filed as: ACRISURE, LLC | 10101 REUNION PLACE SUITE 100 SAN ANTONIO, TX 78216 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $1K | — | $1K | 8.38% |
| FROST INSURANCE AGENCY INC3 | 3611 PAESANOS PARKWAY SUITE 100 SAN ANTONIO, TX 78231 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $216 | $16 | $232 | 1.74% |
| LYNETTE D MCCLARAN3 Filed as: LYNETTE MCCLARAN | 118 TOWNE VUE DRIVE SAN ANTONIO, TX 78213 | AFLAC | $39 | — | $39 | 3.12% |
| JAMES E MCNEEL3 Filed as: JAMES MCNEEL | 1600 NORTHEAST LOOP 410 SUITE 115 SAN ANTONIO, TX 78209 | AFLAC | $20 | — | $20 | 1.60% |
| ROY C WILCOX3 Filed as: ROY WILCOX | 19115 GREY FOREST DRIVE HELOTES, TX 78023 | AFLAC | $18 | — | $18 | 1.44% |
| CAROLYN B TWYFORD3 Filed as: CAROLYN TWYFORD | 15422 PEBBLE GATE SAN ANTONIO, TX 78232 | AFLAC | $18 | — | $18 | 1.44% |
| JOHN D BODKER3 Filed as: JOHN BODKER | 11230 WEST AVENUE SUITE 3101 SAN ANTONIO, TX 78213 | AFLAC | $18 | — | $18 | 1.44% |
| JUDY LAFEMINA3 | PO BOX 2129 FRISCO, TX 75034 | AFLAC | $8 | — | $8 | 0.64% |
| RONALD N GRAVES3 | 3403 ELM KNOLL STREET SAN ANTONIO, TX 78230 | AFLAC | $4 | — | $4 | 0.32% |
| ANNA MARTIN3 | 93 MULBERRY LANE DANIELSVILLE, GA 30633 | AFLAC | $2 | — | $2 | 0.16% |
| LARRY D DENNY3 Filed as: LARRY MARONEY | 1230 MOUNTAIN BREEZE CANYON LAKE, TX 78133 | AFLAC | $1 | — | $1 | 0.08% |
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 | 152 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 1 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 154 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUECROSS BLUESHIELD OF TEXAS | 169 | $908K |
| Dental | AMERITAS LIFE INSURANCE CORPORATION | 88 | $31K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 45 | $13K |
| Other(2 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 55 | $34K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 169 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.