| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| FROST INSURANCE AGENCY INC3 Filed as: FROST INS AGENCY INC | PO BOX 225749 DALLAS, TX 752225749 | METROPOLITAN LIFE INSURANCE COMPANY | $41K | $11 | $41K | 14.38% |
| FROST INSURANCE AGENCY INC3 Filed as: FROST INS AGENCY INC | 3611 PAESANOS PKWY STE 100 SAN ANTONIO, TX 782311256 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $5K | $5K | 1.88% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP INS SERVICES INC | 1250 S CAPITAL OF TEXAS HWY BLDG 2 STE 125 AUSTIN, TX 787466446 | METROPOLITAN LIFE INSURANCE COMPANY | $858 | $0 | $858 | 0.30% |
| FROST INSURANCE AGENCY INC3 | PO BOX 33528 FORT WORTH, TX 76162 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $32K | $6K | $37K | 22.57% |
| JACQUELINE ST HILAIRE3 | 2313 BLUE CYPRESS DR RICHARDSON, TX 75082 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $9K | $5K | $15K | 8.85% |
| COLONIAL OF NORTH TEXAS INSURANCE3 | 4621 GLEN HEATHER DRIVE FRISCO, TX 75034 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $3K | $3K | $7K | 4.02% |
| VIRGINIA LEDER-CLARK3 | 5213 MARSHALL CRK FLOWER MOUND, TX 75028 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $4K | $1K | $5K | 3.27% |
| EDWARD W OFRIA3 | 302 MEADOWCREST DR RICHARDSON, TX 75080 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $3K | $239 | $3K | 2.01% |
| JENNIFER RICHARDS3 | 3059 BURLESON RETTA RD BURLESON, TX 76028 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2K | $2K | $3K | 1.93% |
| CALVIN DEAN INGLE3 | 1840 LARIAT TRAIL CELINA, TX 75009 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2K | $100 | $2K | 1.47% |
| DIEGO DE MOYA3 | 1732 VALLEY VIEW LN APT 2102 IRVING, TX 75061 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2K | $103 | $2K | 1.18% |
| SA GENERAL AGENCY INC3 | 9385 MILLER LANE GARDEN RIDGE, TX 78266 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $353 | $284 | $637 | 0.38% |
| KELLY JEAN KNIGGE3 | 2428 CORNELL DR FLOWER MOUND, TX 75022 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $609 | $0 | $609 | 0.37% |
| JEFFERY BELFOURE3 | 3095 BURLESON RETTA RD BURLESON, TX 76028 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $140 | $394 | $534 | 0.32% |
| VALERIE TOUPS3 | 2311 ASPEN ST RICHARDSON, TX 75082 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $290 | $0 | $290 | 0.18% |
| BUDDY GLEN DRIVER3 | 1703 TAMARACK DR WYLIE, TX 75098 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $258 | $0 | $258 | 0.16% |
| SANDRA DRIVER3 | 1703 TAMARACK DRIVE WYLIE, TX 75098 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $146 | $0 | $146 | 0.09% |
| JANA LEE ALMEJO3 | 2504 SANTA FE TRAIL SANGER, TX 76266 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $128 | $0 | $128 | 0.08% |
| HORIZON BENEFITS LLC3 | 9385 MILLER LANE GARDEN RIDGE, TX 78266 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $53 | $66 | $119 | 0.07% |
| MICHELLE HUGG3 | 6284 EL CAPITAN FORT WORTH, TX 76179 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $117 | $0 | $117 | 0.07% |
| CAROL A BAKER3 | 2318 PROMONTOROY POINT PLANO, TX 75075 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $12 | $0 | $12 | 0.01% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| AETNA LIFE INSURANCE COMPANY EIN 06-6033492 CONTRACT ADMINISTRATOR | Contract Administrator Service code 13 | 151 FARMINGTON AVE HARTFORD, CT 06156 | $142K |
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 | 206 | 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. |
| Beneficiaries receiving benefits | 0 | Spouses or dependents with eligibility independent of the participant. |
| Total participants (= "Plan participants" tile) | 206 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 408 | $284K |
| Vision | METROPOLITAN LIFE INSURANCE COMPANY | 408 | $284K |
| Life insurance(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 408 | $449K |
| Short-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 408 | $284K |
| Long-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 408 | $284K |
| Other | METROPOLITAN LIFE INSURANCE COMPANY | 408 | $284K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 408 | — |
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.