| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| RFA, INC.3 | 821 ESE LOOP 323 SUITE 200 TYLER, TX 75701 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $25K | — | $25K | 12.89% |
| FROST INSURANCE AGENCY INC3 Filed as: FROST INSURANCE SERVICES INC | STE 1400 401 CONGRESS AVE AUSTIN, TX 78701 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $2K | $182 | $2K | 1.25% |
| RFA, INC.3 | 821 E SOUTHEAST LOOP 323 STE 200 TYLER, TX 75701 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $6K | — | $6K | 4.07% |
| FROST INSURANCE AGENCY INC3 Filed as: FROST INSURANCE SERVICES INC | STE 1400 401 CONGRESS AVE AUSTIN, TX 78701 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $3K | $248 | $3K | 2.00% |
| RFA, INC.3 | 821 ESE LOOP 323 SUITE 200 TYLER, TX 75701 | NATIONAL GUARDIAN LIFE INSURANCE COMPANY | $8K | — | $8K | 10.00% |
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 | 703 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 5 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 708 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNIAMERICA INSURANCE COMPANY | 713 | $841K |
| Dental | UNIAMERICA INSURANCE COMPANY | 713 | $841K |
| Vision | NATIONAL GUARDIAN LIFE INSURANCE COMPANY | 612 | $80K |
| Life insurance(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 811 | $340K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 811 | $149K |
| Stop-loss / reinsurancereinsurance | UNIAMERICA INSURANCE COMPANY | 713 | $841K |
| Other(3 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 1,554 | $410K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,554 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.