| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| FROST INSURANCE AGENCY INC3 Filed as: FROST INSURANCE AGENCY, INC | 3611 PAESANOS PARKWAY SUITE 10 SAN ANTONIO, TX 78231 | BLUECROSS BLUESHIELD OF TEXAS | $32K | $9 | $32K | 3.64% |
| YANTIS COMPANY3 | 5423 NORTH LOOP 1604 E SAN ANTONIO, TX 78247 | BLUECROSS BLUESHIELD OF TEXAS | — | $3 | $3 | 0.00% |
| FROST INSURANCE AGENCY INC3 Filed as: FROST INSURANCE COMPANY | PO BOX 225749 DALLAS, TX 75222 | DEARBORN NATIONAL LIFE INSURANCE COMPANY | $8K | $3K | $12K | 21.19% |
| LYNETTE D MCCLARAN3 | 118 TOWNE VUE DRIVE SAN ANTONIO, TX 78213 | AFLAC | $35 | — | $35 | 3.05% |
| JAMES E MCNEEL3 | 1600 NORTHEAST LOOP 410 SUITE 115 SAN ANTONIO, TX 78209 | AFLAC | $19 | — | $19 | 1.66% |
| ROY C WILCOX3 | 19115 GREY FOREST DRIVE HELOTES, TX 78023 | AFLAC | $17 | — | $17 | 1.48% |
| CAROLYN B TWYFORD3 | 15422 PEBBLE GATE SAN ANTONIO, TX 78232 | AFLAC | $17 | — | $17 | 1.48% |
| JOHN D BODKER3 | 11230 WEST AVENUE SUITE 3101 SAN ANTONIO, TX 78213 | AFLAC | $17 | — | $17 | 1.48% |
| FRANK D LAFEMINA3 | 165 SOUTH GUADALUPE STREET SUITE 120 SAN MARCOS, TX 78666 | AFLAC | $7 | — | $7 | 0.61% |
| MARGARET K GRAVES3 | PO BOX 790539 SAN ANTONIO, TX 78230 | AFLAC | $3 | — | $3 | 0.26% |
| RONALD N GRAVES3 | 3403 ELM KNOLL STREET SAN ANTONIO, TX 78230 | AFLAC | $1 | — | $1 | 0.09% |
| LARRY W MARONEY3 Filed as: LARRY M MARONEY | 1230 MOUNTAIN BREEZE CANYON LAKE, TX 78133 | AFLAC | $1 | — | $1 | 0.09% |
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 | 169 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 170 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUECROSS BLUESHIELD OF TEXAS | 189 | $873K |
| Dental | BLUECROSS BLUESHIELD OF TEXAS | 189 | $873K |
| Life insurance | DEARBORN NATIONAL LIFE INSURANCE COMPANY | 68 | $55K |
| Short-term disability | DEARBORN NATIONAL LIFE INSURANCE COMPANY | 68 | $55K |
| Other(2 contracts, 2 carriers) | DEARBORN NATIONAL LIFE INSURANCE COMPANY | 68 | $56K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 189 | — |
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.