| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| FROST INSURANCE AGENCY INC3 | 2950 NORTH HARWOOD STREET SUITE 1200 DALLAS, TX 75201 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $21K | $3K | $24K | 14.29% |
| FROST INSURANCE AGENCY INC3 | PO BOX 33528 FORT WORTH, TX 76162 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $4K | $0 | $4K | 2.57% |
| FROST INSURANCE AGENCY INC3 | 2950 NORTH HARWOOD STREET SUITE 1200 DALLAS, TX 75201 | HUMANA INSURANCE COMPANY | $17K | $0 | $17K | 10.99% |
| FROST INSURANCE AGENCY INC3 | 401 CONGRESS AVENUE, SUITE 1400 AUSTIN, TX 78701 | HUMANA INSURANCE COMPANY | $0 | $8K | $8K | 5.36% |
| FROST INSURANCE AGENCY INC3 | PO BOX 225749 DALLAS, TX 75222 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2K | $0 | $2K | 3.93% |
| JACQUELINE ST HILAIRE3 Filed as: JACQUELINE SAINT HILAIRE | 6829 COLONNADE DRIVE PLANO, TX 75024 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1K | $0 | $1K | 2.37% |
| VIRGINIA LEDER-CLARK3 | 3513 BRINDLE WAY FLOWER MOUND, TX 75028 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $374 | $0 | $374 | 0.69% |
| MPART BENEFITS INC3 | 100 ALBRIGHT LANE PROSPER, TX 75078 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $273 | $2 | $275 | 0.50% |
| MJ INSURANCE3 Filed as: THOMAS SNYDER AND VARIOUS AGENTS | 10539 DEDEKE DRIVE NEW BRAUNFELS, TX 78132 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $240 | $0 | $240 | 0.44% |
| CRAIG LEE KREUTZER3 Filed as: CRAIG KREUTZER | 1112 WILSON DRIVE LANTANA, TX 76226 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $203 | $0 | $203 | 0.37% |
| INGLE BENEFITS LLC3 | 1840 LARIAT TRAIL CELINA, TX 75009 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $131 | $0 | $131 | 0.24% |
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 | 205 | 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) | 205 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | HUMANA INSURANCE COMPANY | 160 | $157K |
| Vision | HUMANA INSURANCE COMPANY | 160 | $157K |
| Life insurance(2 contracts, 2 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 205 | $220K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 205 | $165K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 205 | $165K |
| Other | UNITED OF OMAHA LIFE INSURANCE COMPANY | 205 | $165K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 205 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.