| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| FROST INSURANCE AGENCY INC7 | 640 TAYLOR ST SUITE 1000 FORT WORTH, TX 76102 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $4K | $898 | $5K | 18.20% |
| FROST INSURANCE AGENCY INC7 | 640 TAYLOR ST SUITE 1000 FORT WORTH, TX 76102 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $2K | $492 | $3K | 18.59% |
| FROST INSURANCE AGENCY INC7 Filed as: FROST INSURANCE AGENCY INC. | 640 TAYLOR ST SUITE 1000 FORT WORTH, TX 76102 | LIFE INSURANCE COMPANY OF NORTH AMERICA INC | $648 | $134 | $782 | 18.11% |
| FROST INSURANCE AGENCY INC3 | 2950 N HARWOOD STE 1200 DALLAS, TX 75201 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $205 | $0 | $205 | 14.97% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| UMR INC EIN 91-6034263 CLAIMS PROCESSING | Claims processing Service code 12 | P O BOX 1087 WAYSAY, WI 54402 | $256K |
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 | 171 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 171 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BERKLEY LIFE & HEALTH INS CO | 153 | $540K |
| Dental | BERKLEY LIFE & HEALTH INS CO | 153 | $540K |
| Vision | BERKLEY LIFE & HEALTH INS CO | 153 | $540K |
| Life insurance(3 contracts, 3 carriers) | BERKLEY LIFE & HEALTH INS CO | 171 | $569K |
| Short-term disability(2 contracts, 2 carriers) | BERKLEY LIFE & HEALTH INS CO | 171 | $544K |
| Long-term disability(2 contracts, 2 carriers) | BERKLEY LIFE & HEALTH INS CO | 171 | $553K |
| Prescription drug | BERKLEY LIFE & HEALTH INS CO | 153 | $540K |
| Stop-loss / reinsurancereinsurance | BERKLEY LIFE & HEALTH INS CO | 153 | $540K |
| Other(2 contracts, 2 carriers) | BERKLEY LIFE & HEALTH INS CO | 170 | $541K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 171 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
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.