| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| FROST INSURANCE AGENCY INC3 | PO BOX 225749 DALLAS, TX 75222 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $11K | $0 | $11K | 7.82% |
| JACQUELINE ST HILAIRE3 | 11141 PAGEWYNNE DR FRISCO, TX 75035 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $4K | $245 | $5K | 3.22% |
| CRAIG LEE KREUTZER3 | 1112 WILSON DR LANTANA, TX 76226 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $3K | $722 | $4K | 2.61% |
| MPART BENEFITS INC3 | 4621 GLEN HEATHER DR FRISCO, TX 75034 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1K | $601 | $2K | 1.21% |
| VIRGINIA LEDER-CLARK3 | 4513 BRINDLE WAY FLOWER MOUND, TX 75028 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1K | $89 | $1K | 0.95% |
| CALVIN DEAN INGLE3 | 1840 LARIAT TRAIL CELINA, TX 75009 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $416 | $59 | $475 | 0.34% |
| SALLY ELIZABETH PARKER3 | 309 WINDMILL DR LAVON, TX 75166 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $243 | $10 | $253 | 0.18% |
| SA GENERAL AGENCY INC3 | 9385 MILLER LANE GARDEN RIDGE, TX 78266 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $217 | $0 | $217 | 0.16% |
| JENNIFER RICHARDS3 | 2601 SCOTT AVE FORT WORTH, TX 76103 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $204 | $0 | $204 | 0.15% |
| DIEGO DE MOYA3 | 1704 VALLEY VIEW LN APT 2020 IRVING, TX 75061 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $173 | $0 | $173 | 0.12% |
| SANDRA DRIVER3 | PO BOX 233 WYLIE, TX 75098 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $83 | $0 | $83 | 0.06% |
| BUDDY GLENN DRIVER3 | 1703 TAMARACK DR WYLIE, TX 75098 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $71 | $0 | $71 | 0.05% |
| BRANDY R BYERS3 | 9766 STONEHEARTH FORNEY, TX 75126 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $30 | $1 | $31 | 0.02% |
| HORIZON BENEFITS LLC3 | 9385 MILLER LANE GARDEN RIDGE, TX 78266 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $11 | $0 | $11 | 0.01% |
| CAROL A BAKER3 | 2318 PROMONTORY POINT PLANO, TX 75075 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $9 | $1 | $10 | 0.01% |
| FROST INSURANCE AGENCY INC3 Filed as: FROST INSURANCE AGENCY | 2950 N HARWOOD RD DALLAS, TX 75201 | LIBERT LIFE ASSURANCE COMPANY OF BOSTON | $8K | $0 | $8K | 15.01% |
| FROST INSURANCE AGENCY INC3 Filed as: FROST INSURANCE AGENCY | 2950 N HARWOOD RD DALLAS, TX 75201 | LIBERTY LIFE ASSURANCE COMPANY OF BOSTON | $8K | $0 | $8K | 15.00% |
| FROST INSURANCE AGENCY INC3 Filed as: FROST INSURANCE AGENCY | 2950 N HARWOOD RD DALLAS, TX 75201 | LIBERTY LIFE INSUARANCE COMPANY OF BOSTON | $5K | $0 | $5K | 15.00% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| THP INSURANCE COMPANY EIN 55-0765726 CONTRACT ADMINISTRATOR | Contract Administrator Service code 13 | 1110 MAIN STREET WHEELING, WV 26003 | $389K |
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 | 247 | 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) | 247 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance(2 contracts, 2 carriers) | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 250 | $196K |
| Short-term disability | LIBERTY LIFE ASSURANCE COMPANY OF BOSTON | 250 | $51K |
| Long-term disability | LIBERTY LIFE INSUARANCE COMPANY OF BOSTON | 250 | $36K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 250 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
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.