| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| FROST INSURANCE AGENCY INC3 | PO BOX 225749 DALLAS, TX 75222 | UNITEDHEALTHCARE INSURANCE COMPANY | — | $69K | $69K | 4.17% |
| FROST INSURANCE AGENCY INC3 Filed as: FROST INS AGENCY INC | 2950 N HARDWOOD ST DALLAS, TX 752011034 | METROPOLITAN LIFE INSURANCE COMPANY | $54K | $3K | $57K | 20.50% |
| FROST INSURANCE AGENCY INC3 Filed as: FROST INSURANCE AGENCY INC. | PO BOX 8411 SAN ANTONIO, TX 78298 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $3K | — | $3K | 20.00% |
| LINDA PITT4 | 4660 MIRANDY RD. COOKEVILLE, TN 38506 | PRE-PAID LEGAL SERVICES, INC. DBA LEGALSHIELD | $2K | — | $2K | 25.78% |
| STEPHANIE N. PANCHISHIN4 | 652 ALCOVE DR. LITTLE ELM, TX 75068 | PRE-PAID LEGAL SERVICES, INC. DBA LEGALSHIELD | $103 | — | $103 | 1.15% |
| ROGER C. TONEY4 | 6404 KIEST FOREST DR. FRISCO, TX 75035 | PRE-PAID LEGAL SERVICES, INC. DBA LEGALSHIELD | $56 | — | $56 | 0.63% |
| FROST INSURANCE AGENCY INC3 Filed as: FROST INSURANCE AGENCY INC. | PO BOX 8411 SAN ANTONIO, TX 78298 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $1K | — | $1K | 20.00% |
| GEORGE MICHAEL LOONEY3 | 6301 GASTON AVE STE 450 DALLAS, TX 75214 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $9 | — | $9 | — |
| FROST INSURANCE AGENCY INC3 | PO BOX 8411 SAN ANTONIO, TX 78298 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $1 | — | $1 | — |
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 | 209 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 210 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 2 carriers) | UNITEDHEALTHCARE INSURANCE COMPANY | 273 | $1.7M |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 360 | $280K |
| Vision | METROPOLITAN LIFE INSURANCE COMPANY | 360 | $280K |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 360 | $280K |
| Short-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 360 | $280K |
| Long-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 360 | $280K |
| Other(5 contracts, 4 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 360 | $312K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 360 | — |
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.