| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| FROST INSURANCE AGENCY INC3 | 4200 S HULEN ST FORT WORTH, TX 76109 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES (CIGNA) | $118K | — | $118K | 15.00% |
| FROST INSURANCE AGENCY INC Filed as: FROST INSURANCE AGENCY, INC. | 4200 S HULEN ST FORT WORTH, TX 76109 | NATIONAL GUARDIAN LIFE | $20K | — | $20K | 10.49% |
| RFA, INC. Filed as: RFA, INC | PO BOX 130187 TYLER, TX 75713 | NATIONAL GUARDIAN LIFE | $465 | — | $465 | 0.25% |
| FROST INSURANCE AGENCY INC Filed as: FROST INSURANCE AGENCY, INC. | 4200 S HULEN ST FORT WORTH, TX 76109 | THE HARTFORD | $26K | — | $26K | 15.00% |
| FROST INSURANCE AGENCY INC Filed as: FROST INSURANCE AGENCY, INC | 4200 S HULEN ST FORT WORTH, TX 76109 | SUPERIOR VISION PLAN OF TEXAS | $5K | — | $5K | 10.23% |
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 | 320 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 322 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | NATIONAL GUARDIAN LIFE | 278 | $187K |
| Vision | SUPERIOR VISION PLAN OF TEXAS | 559 | $52K |
| Life insurance | THE HARTFORD | 385 | $174K |
| Long-term disability | THE HARTFORD | 385 | $174K |
| Stop-loss / reinsurancereinsurance | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES (CIGNA) | 689 | $785K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 689 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.