| 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 | $5K | $1K | $6K | 18.79% |
| FROST INSURANCE AGENCY INC7 | 640 TAYLOR ST SUITE 1000 FORT WORTH, TX 76102 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $806 | $169 | $975 | 18.14% |
| FROST INSURANCE AGENCY INC7 | 640 TAYLOR ST SUITE 1000 FORT WORTH, TX 76102 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $727 | $153 | $880 | 18.15% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| UMR INC EIN 39-1995276 CLAIMS PROCESSING | Claims processing Service code 12 | P O BOX 1087 WAYSAY, WI 54402 | $98K |
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 | 176 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 176 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BERKLEY LIFE & HEALTH INS CO | 176 | $659K |
| Dental | BERKLEY LIFE & HEALTH INS CO | 176 | $659K |
| Vision | BERKLEY LIFE & HEALTH INS CO | 176 | $659K |
| Life insurance(2 contracts, 2 carriers) | BERKLEY LIFE & HEALTH INS CO | 176 | $693K |
| Short-term disability(2 contracts, 2 carriers) | BERKLEY LIFE & HEALTH INS CO | 176 | $664K |
| Long-term disability | BERKLEY LIFE & HEALTH INS CO | 176 | $659K |
| Prescription drug | BERKLEY LIFE & HEALTH INS CO | 176 | $659K |
| Stop-loss / reinsurancereinsurance | BERKLEY LIFE & HEALTH INS CO | 176 | $659K |
| Other(2 contracts, 2 carriers) | BERKLEY LIFE & HEALTH INS CO | 176 | $663K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 176 | — |
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.