| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| FROST INSURANCE AGENCY INC3 Filed as: FROST INSURANCE AGENCY, INC. | 640 TAYLOR STREET SUITE 1000 FORT WORTH, TX 76102 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $0 | $3K | $3K | 3.61% |
| FROST INSURANCE AGENCY INC3 Filed as: FROST INSURANCE AGENCY, INC. | 640 TAYLOR STREET SUITE 1000 FORT WORTH, TX 76102 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $0 | $2K | $2K | 3.89% |
| FROST INSURANCE AGENCY INC3 Filed as: FROST INSURANCE AGENCY, INC. | 640 TAYLOR STREET SUITE 1000 FORT WORTH, TX 76102 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $0 | $993 | $993 | 2.90% |
| FROST INSURANCE AGENCY INC3 Filed as: FROST INSURANCE AGENCY, INC. | P.O. BOX 2411 SAN ANTONIO, TX 78298 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $3K | — | $3K | 20.00% |
| LINDA PITT4 | 421 MAPLE DRIVE CRESTLINE, OH 44827 | PRE-PAID LEGAL SERVICES, INC. DBA LEGALSHIELD | $1K | — | $1K | 15.51% |
| STEPHANIE N. PANCHISHIN4 | 652 ALCOVE DRIVE LITTLE ELM, TX 75068 | PRE-PAID LEGAL SERVICES, INC. DBA LEGALSHIELD | $54 | — | $54 | 0.65% |
| ROGER C. TONEY4 | 6404 KIEST FOREST DRIVE FRISCO, TX 75035 | PRE-PAID LEGAL SERVICES, INC. DBA LEGALSHIELD | $26 | — | $26 | 0.31% |
| FROST INSURANCE AGENCY INC3 Filed as: FROST INSURANCE AGENCY, INC. | 640 TAYLOR STREET SUITE 1000 FORT WORTH, TX 76102 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $0 | $296 | $296 | 3.57% |
| FROST INSURANCE AGENCY INC3 Filed as: FROST INSURANCE AGENCY, INC. | P.O. BOX 2411 SAN ANTONIO, TX 78298 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $204 | — | $204 | 10.39% |
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 | 208 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 3 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 211 | 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 | 245 | $2.2M |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 245 | $2.2M |
| Vision | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 245 | $2.2M |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 254 | $74K |
| Short-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 94 | $45K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 92 | $34K |
| Other(6 contracts, 4 carriers) | UNITEDHEALTHCARE INSURANCE COMPANY | 254 | $54K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 254 | — |
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 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.