| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| FROST INSURANCE AGENCY INC3 Filed as: FROST INSURANCE AGENCY INC. | PO BOX 2411 SAN ANTONIO, TX 78298 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $3K | — | $3K | 22.10% |
| LINDA PITT4 | 4660 MIRANDY RD. COOKEVILLE, TN 38506 | PRE-PAID LEGAL SERVICES, INC. DBA LEGALSHIELD | $953 | — | $953 | 12.88% |
| STEPHANIE N. PANCHISHIN4 | 652 ALCOVE DR. LITTLE ELM, TX 75068 | PRE-PAID LEGAL SERVICES, INC. DBA LEGALSHIELD | $52 | — | $52 | 0.70% |
| ROGER C. TONEY4 | 6404 KIEST FOREST DR. FRISCO, TX 75035 | PRE-PAID LEGAL SERVICES, INC. DBA LEGALSHIELD | $25 | — | $25 | 0.34% |
| FROST INSURANCE AGENCY INC3 Filed as: FROST INSURANCE AGENCY INC. | PO BOX 2411 SAN ANTONIO, TX 78298 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $103 | — | $103 | 1.81% |
| FROST INSURANCE AGENCY INC3 Filed as: FROST INSURANCE AGENCY | P.O. BOX 225749 DALLAS, TX 75222 | UNITEDHEALTHCARE INSURANCE COMPANY | $4K | — | $4K | 142.83% |
| FROST INSURANCE AGENCY INC3 | PO BOX 2411 SAN ANTONIO, TX 78298 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $36 | — | $36 | 41.86% |
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 | 197 | 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) | 197 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(4 contracts, 2 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 275 | $2.3M |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 275 | $2.3M |
| Vision | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 275 | $2.3M |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 434 | $41K |
| Short-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 116 | $27K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 114 | $25K |
| Other(6 contracts, 4 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 434 | $34K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 434 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Broker comp is under 1% of premium on a >$1M plan. Plan may be flying solo or paying a flat fee — consultant sales target.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.