| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| FROST INSURANCE AGENCY INC3 Filed as: FROST INSURANCE AGENCY, INC. | — | BLUECROSS BLUESHIELD OF TEXAS | $59K | — | $59K | 2.28% |
| CENTERSTONE INSURANCE AND FINANCIAL3 Filed as: CENTERSTONE INS AND FINANCIAL SVCS | — | BLUECROSS BLUESHIELD OF TEXAS | — | $28K | $28K | 1.08% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL TEXAS, INC. | — | BLUECROSS BLUESHIELD OF TEXAS | $22K | — | $22K | 0.85% |
| FROST INSURANCE AGENCY INC3 Filed as: FROST INS AGENCY INC | PO BOX 225749 DALLAS, TX 752225749 | METROPOLITAN LIFE INSURANCE COMPANY | $20K | $22 | $20K | 7.87% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL TEXAS INC | 3221 COLLINSWORTH ST FORT WORTH, TX 761075739 | METROPOLITAN LIFE INSURANCE COMPANY | $5K | — | $5K | 1.74% |
| FROST INSURANCE AGENCY INC3 Filed as: FROST INS AGENCY INC | PO BOX 2411 SAN ANTONIO, TX 782982411 | METROPOLITAN LIFE INSURANCE COMPANY | — | $2K | $2K | 0.93% |
| FROST INSURANCE AGENCY INC3 Filed as: FROST INSURANCE AGENCY IN 760731 | 640 TAYLOR ST SUITE 1000 FORT WORTH, TX 76102 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $19K | — | $19K | 13.07% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL TEXAS I | PO BOX 2158 RIVERSIDE, CA 92516 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $6K | — | $6K | 4.15% |
| FROST INSURANCE AGENCY INC3 Filed as: FROST INSURANCE AGENCY IN 760731 | 640 TAYLOR ST SUITE 1000 FORT WORTH, TX 76102 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $6K | — | $6K | 14.87% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL TEXAS I | PO BOX 2158 RIVERSIDE, CA 92516 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $1K | — | $1K | 3.03% |
| FROST INSURANCE AGENCY INC3 Filed as: FROST INSURANCE AGENCY IN 760731 | 640 TAYLOR ST SUITE 1000 FORT WORTH, TX 76102 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $4K | — | $4K | 12.76% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL TEXAS I | PO BOX 2158 RIVERSIDE, CA 92516 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $1K | — | $1K | 4.26% |
| FROST INSURANCE AGENCY INC3 Filed as: FROST INSURANCE AGENCY IN 760731 | 640 TAYLOR ST SUITE 1000 FORT WORTH, TX 76102 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $2K | — | $2K | 11.76% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL TEXAS I | PO BOX 2158 RIVERSIDE, CA 92516 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $1K | — | $1K | 5.27% |
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 | 203 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 1 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 206 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUECROSS BLUESHIELD OF TEXAS | 666 | $2.6M |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 873 | $258K |
| Vision | METROPOLITAN LIFE INSURANCE COMPANY | 873 | $258K |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 220 | $149K |
| Short-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 116 | $34K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 220 | $38K |
| Other(2 contracts) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 220 | $169K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 873 | — |
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.