| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| FROST INSURANCE AGENCY INC3 Filed as: FROST INSURANCE AGENCY, INC. | PO BOX 225749 DALLAS, TX 75222 | UNITEDHEALTHCARE INSURANCE COMPANY | -$80K | $132K | $52K | 0.76% |
| FROST INSURANCE AGENCY INC3 Filed as: FROST INSURANCE AGENCY | 4200 S HULEN ST, STE 330 FORT WORTH, TX 761094912 | METROPOLITAN LIFE INSURANCE COMPANY | $27K | $48 | $27K | 5.68% |
| FROST INSURANCE AGENCY INC3 Filed as: FROST INSURANCE AGENCY, INC. | 3611 PAESANOS PKWY, STE 100 SAN ANTONIO, TX 782311256 | METROPOLITAN LIFE INSURANCE COMPANY | — | $8K | $8K | 1.68% |
| FROST INSURANCE AGENCY INC3 Filed as: FROST INSURANCE AGENCY | 401 CONGRESS AVENUE, STE 1400 AUSTIN, TX 78701 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $23K | $3K | $26K | 10.31% |
| FROST INSURANCE AGENCY INC3 Filed as: FROST INSURANCE AGENCY | 401 CONGRESS AVENUE, STE 1400 AUSTIN, TX 78701 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $11K | $3K | $14K | 5.73% |
| FROST INSURANCE AGENCY INC2 Filed as: FROST INSURANCE AGENCY | 401 CONGRESS AVENUE, STE 1400 AUSTIN, TX 78701 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $13K | $1K | $14K | 14.88% |
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 | 671 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 5 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 9 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 685 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 1,345 | $6.8M |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 1,757 | $472K |
| Vision(2 contracts, 2 carriers) | UNITEDHEALTHCARE INSURANCE COMPANY | 1,757 | $7.3M |
| Life insurance(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 671 | $345K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 671 | $241K |
| Other(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 671 | $345K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,757 | — |
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.