| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| FROST INSURANCE AGENCY INC3 Filed as: FROST INSURANCE AGENCY, INC. | — | BLUECROSS BLUESHIELD OF TEXAS | — | $74K | $74K | 3.30% |
| CENTERSTONE INSURANCE AND FINANCIAL3 Filed as: CENTERSTONE INS AND FINANCIAL SVCS | — | BLUECROSS BLUESHIELD OF TEXAS | $32K | — | $32K | 1.43% |
| FROST INSURANCE AGENCY INC3 Filed as: FROST INSURANCE AGENCY,INC. | — | BLUECROSS BLUESHIELD OF TEXAS | — | $1K | $1K | 0.06% |
| FROST INSURANCE AGENCY INC3 Filed as: FROST INS AGENCY INC | PO BOX 225749 DALLAS, TX 752225749 | METROPOLITAN LIFE INSURANCE COMPANY | $20K | $33 | $20K | 9.38% |
| FROST INSURANCE AGENCY INC3 | PO BOX 2411 SAN ANTONIO, TX 782982411 | METROPOLITAN LIFE INSURANCE COMPANY | — | $1K | $1K | 0.69% |
| FROST INSURANCE AGENCY INC3 Filed as: FROST INSURANCE AGENCY IN | 640 TAYLOR ST SUITE 1000 FORT WORTH, TX 76102 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $15K | $3K | $18K | 18.13% |
| FROST INSURANCE AGENCY INC3 Filed as: FROST INSURANCE AGENCY IN | 640 TAYLOR ST SUITE 1000 FORT WORTH, TX 76102 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $5K | $1K | $6K | 18.17% |
| FROST INSURANCE AGENCY INC3 Filed as: FROST INSURANCE AGENCY IN | 640 TAYLOR ST SUITE 1000 FORT WORTH, TX 76102 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $3K | $607 | $4K | 18.03% |
| FROST INSURANCE AGENCY INC3 Filed as: FROST INSURANCE AGENCY IN | 640 TAYLOR ST SUITE 1000 FORT WORTH, TX 76102 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $2K | $381 | $2K | 18.12% |
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 | 181 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 182 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUECROSS BLUESHIELD OF TEXAS | 576 | $2.2M |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 770 | $211K |
| Vision | METROPOLITAN LIFE INSURANCE COMPANY | 770 | $211K |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 177 | $100K |
| Short-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 80 | $20K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 162 | $33K |
| Other | LIFE INSURANCE COMPANY OF NORTH AMERICA | 177 | $12K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 770 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.