| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| FROST INSURANCE AGENCY INC Filed as: FROST INSURANCE AGENCY, INC | 401 CONGRESS AVE SUITE 1400 AUSTIN, TX 78701 | BLUE CROSS BLUE SHIELD OF TEXAS | — | — | $0 | 0.00% |
| FROST INSURANCE AGENCY INC Filed as: FROST INSURANCE AGENCY, INC | 401 CONGRESS AVE SUITE 1400 AUSTIN, TX 78701 | HUMANA INSURANCE COMPANY | $10K | $2K | $13K | 12.35% |
| FROST INSURANCE AGENCY INC Filed as: FROST INSURANCE AGENCY, INC | 401 CONGRESS AVE SUITE 1400 AUSTIN, TX 78701 | RELIANCE STANDARD INSURANCE COMPANY | $8K | — | $8K | 15.00% |
| FROST INSURANCE AGENCY INC Filed as: FROST INSURANCE AGENCY, INC | 401 CONGRESS AVE SUITE 1400 AUSTIN, TX 78701 | RELIANCE STANDARD INSURANCE COMPANY | $4K | — | $4K | 15.95% |
| FROST INSURANCE AGENCY INC Filed as: FROST INSURANCE AGENCY, INC | 401 CONGRESS AVE SUITE 1400 AUSTIN, TX 78701 | HUMANA INSURANCE COMPANY | $2K | $504 | $3K | 12.43% |
| FROST INSURANCE AGENCY INC Filed as: FROST INSURANCE AGENCY, INC | 401 CONGRESS AVE SUITE 1400 AUSTIN, TX 78701 | RELIANCE STANDARD INSURANCE COMPANY | $3K | — | $3K | 15.00% |
| FROST INSURANCE AGENCY INC Filed as: FROST INSURANCE AGENCY, INC | 401 CONGRESS AVES SUITE 1400 AUSTIN, TX 78701 | RELIANCE STANDARD INSURANCE COMPANY | $628 | — | $628 | 15.00% |
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 | 328 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 328 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF TEXAS | 328 | $1.4M |
| Dental | HUMANA INSURANCE COMPANY | 216 | $103K |
| Vision | HUMANA INSURANCE COMPANY | 192 | $21K |
| Life insurance(2 contracts) | RELIANCE STANDARD INSURANCE COMPANY | 289 | $57K |
| Short-term disability | RELIANCE STANDARD INSURANCE COMPANY | 46 | $25K |
| Long-term disability | RELIANCE STANDARD INSURANCE COMPANY | 50 | $20K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 328 | — |
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."
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.