| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| FROST INSURANCE AGENCY INC3 Filed as: FROST INSURANCE AGENCY, INC. | PO BOX 225749 DALLAS, TX 75222 | UNITEDHEALTHCARE INSURANCE COMPANY | $0 | $39K | $39K | 3.43% |
| FROST INSURANCE AGENCY INC3 Filed as: FROST INSURANCE AGENCY, INC. | PO BOX 225749 DALLAS, TX 75222 | AMERITAS LIFE INSURANCE CORPORATION | $6K | $0 | $6K | 9.17% |
| MARK S METTILLE3 Filed as: MARK S. METTILLE | 422 WAUPONSEE STREET MORRIS, IL 60450 | AMERITAS LIFE INSURANCE CORPORATION | $4K | $0 | $4K | 5.41% |
| FROST INSURANCE AGENCY INC3 Filed as: FROST INSURANCE AGENCY, INC. | PO BOX 2411 SAN ANTONIO, TX 78298 | AMERITAS LIFE INSURANCE CORPORATION | $553 | $0 | $553 | 0.83% |
| FROST INSURANCE AGENCY INC3 Filed as: FROST INSURANCE AGENCY, INC. | 401 CONGRESS AVENUE, SUITE 1400 AUSTIN, TX 78701 | KAISER FOUNDATION HEALTH PLAN INC | $2K | $0 | $2K | 3.76% |
| FROST INSURANCE AGENCY INC3 Filed as: FROST INSURANCE AGENCY, INC. | 2950 NORTH HARWOOD, SUITE 1200 DALLAS, TX 75201 | ONEAMERICA | $9K | $0 | $9K | 15.00% |
| GIS BENEFITS INC3 Filed as: GIS BENEFITS, INC. | UNKNOWN RICHARDSON, TX 75080 | ONEAMERICA | $0 | $3K | $3K | 5.00% |
| UNKNOWN3 | UNKNOWN RICHARDSON, TX 75080 | FRESHBENIES | $2K | $0 | $2K | 13.87% |
| LISA A PERRI3 Filed as: LISA LAWSON | 9827 BIRCH DRIVE PROVIDENCE VILLAGE, TX 76227 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $180 | $0 | $180 | 2.75% |
| MPART BENEFITS INC3 | 100 ALBRIGHT LANE PROSPER, TX 75078 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $22 | $0 | $22 | 0.34% |
| SARAH COURTNEY KNAPP3 Filed as: SARAH KNAPP | 61 SKLAR STREET LADERA RANCH, CA 92694 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $21 | $0 | $21 | 0.32% |
| DAVID EVANS3 | 2711 YORK COURT SOUTHLAKE, TX 76092 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $16 | $0 | $16 | 0.24% |
| KOUSER INSURANCE INC3 | 1350 EAST ARAPAHO ROAD RICHARDSON, TX 75081 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $13 | $0 | $13 | 0.20% |
| ROBERT SCOTT PIERCE3 Filed as: ROBERT PIERCE | 609 ROUEN DRIVE MCKINNEY, TX 75072 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $6 | $0 | $6 | 0.09% |
| MJ INSURANCE3 Filed as: JOHN EVANGELISTA AND VARIOUS AGENTS | 186 LAS FLORES ALISO VIEJO, CA 92656 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $5 | $0 | $5 | 0.08% |
| BRETT A. POWERS4 | 5020 EVERGLADE ROAD DALLAS, TX 75227 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | $521 | $0 | $521 | 13.41% |
| KRISTEN J. SCOTT4 | 1904 WEST WHITE AVENUE, SUITE 804 MCKINNEY, TX 75069 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | $48 | $0 | $48 | 1.24% |
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 | 114 | 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) | 114 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | UNITEDHEALTHCARE INSURANCE COMPANY | 138 | $1.2M |
| Dental | AMERITAS LIFE INSURANCE CORPORATION | 151 | $66K |
| Vision | AMERITAS LIFE INSURANCE CORPORATION | 151 | $66K |
| Life insurance(2 contracts, 2 carriers) | ONEAMERICA | 114 | $68K |
| Short-term disability | ONEAMERICA | 114 | $61K |
| Long-term disability | ONEAMERICA | 114 | $61K |
| Prescription drug(2 contracts, 2 carriers) | UNITEDHEALTHCARE INSURANCE COMPANY | 138 | $1.2M |
| Other(4 contracts, 4 carriers) | ONEAMERICA | 114 | $85K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 151 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
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.