| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| FROST INSURANCE AGENCY INC3 Filed as: FROST INSURANCE AGENCY | P O BOX 225749 DALLAS, TX 75222 | DEARBORN LIFE INSURANCE COMPANY | $2K | — | $2K | 2.48% |
| CATTO & CATTO BENEFITS GROUP LLP3 Filed as: CATTO & CATTO BENEFITS GRP | 106 S SAINT MARY'S ST STE 800 SAN ANTONIO, TX 782053603 | DEARBORN LIFE INSURANCE COMPANY | $1K | — | $1K | 1.30% |
| CATTO & CATTO BENEFITS GROUP LLP3 Filed as: CATTO & CATTO BENEFITS GRP | 106 S SAINT MARY'S ST STE 800 1 ALAMO CENTER SAN ANTONIO, TX 782053603 | METROPOLITAN LIFE INSURANCE COMPANY | $7K | — | $7K | 9.05% |
| FROST INSURANCE AGENCY INC3 Filed as: FROST INS AGENCY INC | PO BOX 2411 SAN ANTONIO, TX 782982411 | METROPOLITAN LIFE INSURANCE COMPANY | $604 | $734 | $1K | 1.67% |
| FROST INSURANCE AGENCY INC3 | PO BOX 2411 SAN ANTONIO, TX 782982411 | DELAWARE AMERICAN LIFE INSURANCE COMPANY | $225 | — | $225 | 7.50% |
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 | 146 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 148 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 304 | $80K |
| Vision | METROPOLITAN LIFE INSURANCE COMPANY | 304 | $80K |
| Life insurance | DEARBORN LIFE INSURANCE COMPANY | 144 | $86K |
| Short-term disability | DEARBORN LIFE INSURANCE COMPANY | 144 | $86K |
| Long-term disability | DEARBORN LIFE INSURANCE COMPANY | 144 | $86K |
| Other(2 contracts, 2 carriers) | DEARBORN LIFE INSURANCE COMPANY | 144 | $89K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 304 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.