| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| FROST INSURANCE AGENCY INC3 | PO BOX 225749 DALLAS, TX 75222 | UNITEDHEALTHCARE INSURANCE COMPANY | — | $81K | $81K | 4.17% |
| FROST INSURANCE AGENCY INC3 Filed as: FROST INS AGENCY INC | 2950 N HARDWOOD ST DALLAS, TX 752011034 | METROPOLITAN LIFE INSURANCE COMPANY | $42K | $69 | $42K | 14.73% |
| FROST INSURANCE AGENCY INC3 Filed as: FROST INSURANCE AGENCY INC. | 401 CONGRESS AVE STE 1400 AUSTIN, TX 78701 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $4K | — | $4K | 20.00% |
| GEORGE MICHAEL LOONEY3 | 6301 GASTON AVE STE 450 DALLAS, TX 75214 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $263 | — | $263 | 3.79% |
| FROST INSURANCE AGENCY INC3 | 401 CONGRESS AVE STE 1400 AUSTIN, TX 78701 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $67 | — | $67 | 0.97% |
| FROST INSURANCE AGENCY INC3 Filed as: FROST INSURANCE AGENCY INC. | 401 CONGRESS AVE STE 1400 AUSTIN, TX 78701 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $1K | — | $1K | 20.01% |
| LINDA PITT4 | 4660 MIRANDY RD. COOKEVILLE, TN 38506 | PRE-PAID LEGAL SERVICES, INC. DBA LEGALSHIELD | $1K | — | $1K | 22.50% |
| STEPHANIE N. PANCHISHIN4 | 652 ALCOVE DR. LITTLE ELM, TX 75068 | PRE-PAID LEGAL SERVICES, INC. DBA LEGALSHIELD | $302 | — | $302 | 6.72% |
| ROGER C. TONEY4 | 6404 KIEST FOREST DR. FRISCO, TX 75035 | PRE-PAID LEGAL SERVICES, INC. DBA LEGALSHIELD | $174 | — | $174 | 3.87% |
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 | 203 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 203 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 2 carriers) | UNITEDHEALTHCARE INSURANCE COMPANY | 278 | $2.0M |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 449 | $286K |
| Vision | METROPOLITAN LIFE INSURANCE COMPANY | 449 | $286K |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 449 | $286K |
| Short-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 449 | $286K |
| Long-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 449 | $286K |
| Other(5 contracts, 4 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 449 | $323K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 449 | — |
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."
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.