| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| FROST INSURANCE AGENCY INC3 Filed as: FROST INSURANCE AGENCY, INC. | PO BOX 16509 FORT WORTH, TX 76162 | AFLAC | $21K | — | $21K | 8.15% |
| KERI NORTON0 | 12472 FM 2728 TERRELL, TX 75161 | AFLAC | $13K | $2K | $15K | 5.88% |
| STEVIE RENEE ALDERS0 | 310 RIVER OAK STREET LUFKIN, TX 75901 | AFLAC | $6K | $1K | $7K | 2.92% |
| NANCY E ODOM0 | 5921 STONE MEADOW DR PLANO, TX 76162 | AFLAC | $5K | $964 | $6K | 2.42% |
| MAURICIO ACUNA0 | 2801 DENTON TAP RD, APT 931 LEWISVILLE, TX 75067 | AFLAC | $5K | $862 | $6K | 2.32% |
| DAVID MARTIN GUSTAFSON0 | PO BOX 2286 ADDISON, TX 75001 | AFLAC | $3K | $1K | $5K | 1.80% |
| ROBERT MILWOOD0 Filed as: ROBERT Z MILWOOD | 2808 CARTERTON WAY FLOWER MOUND, TX 75022 | AFLAC | $4K | $0 | $4K | 1.65% |
| KIMBERLY K DIXON3 Filed as: KIMBERLY DIXON | 8380 WARREN PKWY STE 303 FRISCO, TX 75034 | AFLAC | $3K | $628 | $4K | 1.40% |
| DENISE M ERICKSON0 | 2736 LAS VENTANAS TRL FORT WORTH, TX 76131 | AFLAC | $2K | — | $2K | 0.74% |
| ADAM SCOTT0 | 352 ZAMBEZI LN BULLARD, TX 75757 | AFLAC | $2K | $143 | $2K | 0.69% |
| STEPHEN MARCUS LILES0 | 211 E SHEPHERD AVE, STE 7 LUFKIN, TX 75901 | AFLAC | $2K | $143 | $2K | 0.68% |
| GEORGIA ANN KNABE0 | 2112 YUCCA AVE FORT WORTH, TX 76111 | AFLAC | $934 | $307 | $1K | 0.49% |
| MOLOKAI MYLES HAND0 | 3309 WOLFE CT PLANO, TX 75025 | AFLAC | $420 | $301 | $721 | 0.28% |
| LATREVA DAVIS0 | 1252 APRIL SHOWERS LN LANCASTER, TX 75134 | AFLAC | $570 | $72 | $642 | 0.25% |
| DENA DIXON0 | 1050 HIGH WILLOW DRIVE PROSPER, TN 75074 | AFLAC | $325 | $263 | $588 | 0.23% |
| GUSTAVO ARRIAGA II0 | 5237 N RIVERSIDE DR, STE 207 FORT WORTH, TX 76137 | AFLAC | $570 | $0 | $570 | 0.23% |
| DARLA CAIRNES0 | 214 HARDWOOD TRAIL MESQUITE, TX 75150 | AFLAC | $227 | $233 | $460 | 0.18% |
| SUZANNE LEWIS0 | 101 E PARK BLVD PLANO, TX 75074 | AFLAC | $311 | $62 | $373 | 0.15% |
| BRITTANY A TALLENT0 | 9329 WOOD DUCK DR FORT WORTH, TX 76118 | AFLAC | $278 | $62 | $340 | 0.13% |
| HIGGINBOTHAM INS AGENCY INC0 Filed as: HIGGINBOTHAM INSURANCE AGENCY INC | 500 W 13TH ST STE 200 FORT WORTH, TN 76102 | AFLAC | $238 | — | $238 | 0.09% |
| ERIK PAUL RATCLIFF0 | 110 STEPHENS LANE LUMBERTON, TN 77657 | AFLAC | $145 | $10 | $155 | 0.06% |
| CANDICE RENEE TREVINO0 | 12594 S STATE HIGHWAY 121 TRENTON, TX 75490 | AFLAC | $154 | — | $154 | 0.06% |
| LYSSA S GOLMON0 | 930 W ROUND BUNCH ROAD BRIDGE CITY, TX 77611 | AFLAC | $130 | — | $130 | 0.05% |
| NOAH METCALF0 | 12472 FM 2728 TERRELL, TX 75161 | AFLAC | $102 | — | $102 | 0.04% |
| BROWN AND BROWN OF FLORIDA, INC.0 Filed as: KIMBERLY BROWN TAMBERELLA | 930 W ROUND BUNCH RD BRIDGE CITY, TX 77611 | AFLAC | $69 | — | $69 | 0.03% |
| KAREN J MCDONALD0 | PO BOX 8105 LUMBERTON, TX 77657 | AFLAC | $66 | $2 | $68 | 0.03% |
| LORI J THOMPSON0 | 1600 PRESIDENT GEORGE BUSH HWY ROWLETT, TX 75088 | AFLAC | $35 | — | $35 | 0.01% |
| CYNTHIA H LUPO0 | 8503 SUNSET LOCH DR SPRING, TX 75034 | AFLAC | $22 | — | $22 | 0.01% |
| MAEDE C MILLER0 | 17133 KNOLL DALE TRL CONROE, TX 77385 | AFLAC | $6 | — | $6 | 0.00% |
| RONALD E KIRKLAND0 Filed as: RONALD JONES | 119 KRISTIN DR ALEDO, TN 76008 | AFLAC | $3 | — | $3 | 0.00% |
| CHERISE M WADE0 | 1931 HIGHWAY 90 W SEALY, TX 77474 | AFLAC | $1 | — | $1 | 0.00% |
| KIM REED SMITH0 | 7815 DEERWOOD LAKE DR HUMBLE, TX 77346 | AFLAC | $1 | — | $1 | 0.00% |
| PRENTISS ATKINS CASTLE JR0 | 7293 DABADIE RD VENTRESS, LA 70783 | AFLAC | $1 | — | $1 | 0.00% |
| FROST INSURANCE AGENCY INC3 Filed as: FROST INSURANCE AGENCY, INC. | 640 TAYLOR STREET, STE. 1000 FORT WORTH, TX 76102 | ACE AMERICAN INSURANCE COMPANY | $7K | — | $7K | 10.06% |
| FROST INSURANCE AGENCY INC3 Filed as: FROST INSURANCE AGENCY, INC. | 640 TAYLOR STREET, STE. 1000 FORT WORTH, TX 76102 | ACE AMERICAN INSURANCE COMPANY | $893 | — | $893 | 9.55% |
| FROST INSURANCE AGENCY INC3 Filed as: FROST INSURANCE AGENCY, INC. | 100 W HOUSTON ST SAN ANTONIO, TX 78205 | CONTINENTAL AMERICAN INSURANCE COMPANY | $827 | — | $827 | 15.04% |
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 | 358 | 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) | 358 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | ACE AMERICAN INSURANCE COMPANY | 101 | $67K |
| Vision | ACE AMERICAN INSURANCE COMPANY | 75 | $9K |
| Life insurance(2 contracts, 2 carriers) | AFLAC | 254 | $259K |
| Short-term disability | AFLAC | 254 | $253K |
| Other | AFLAC | 254 | $253K |
| 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 compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.